For 2026, FHA loan limits in DeSoto county of Dallas, TX are established as $531,300 for a single-family home, $680,150 for properties with 2-units, $822,150 for 3-unit dwellings, and $1,021,750 for those with 4-units.
The ceiling for conventional loans on a single-family residence is $726,200. For residences with two units, it’s $929,850, for three units $1,123,900, and for four-unit homes, it reaches $1,396,800.
Utilize our FHA calculator to uncover today's most competitive FHA rates and assess what downpayment, income, credit score, reserves, and documentation are necessary to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms alongside other loan programs. Dive into comparing Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA offerings.
Lendersa® efficiently collects data from thousands of lenders, quickly aligning it with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in DeSoto county, Dallas, TX, facilitates comparing maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed look at qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $531,300 | $680,150 | $822,150 | $1,021,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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