For 2026, the FHA loan limits in Elgin, Bastrop, TX, are $571,550 for a single-family home, $731,700 for two-unit dwellings, $884,450 for structures containing three units, and $1,099,150 for properties with four units.
The cap on conventional loans for a single-family residence is $726,200. This increases to $929,850 for two-units, $1,123,900 for three-units, and $1,396,800 for four-units.
Use our FHA calculator to check the best FHA rates available today, and determine the necessary downpayments, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® retrieves data from numerous lenders to quickly deliver comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Elgin, Bastrop, TX, compares maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $571,550 | $731,700 | $884,450 | $1,099,150 |
| 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 | $386,400 | $386,400 | $386,400 | $386,400 |
| 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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