For 2026, the FHA loan limits set for Galveston county in Galveston, TX, are as follows: $472,030 for a single-family home. For 2-unit properties, the limit is $604,400; for 3-unit homes, it is $730,525; and for 4-unit residences, it climbs to $907,900.
The maximum amount allowed for conventional loans on a single-family house is $726,200. Properties with two units can borrow up to $929,850, those with three units have a cap of $1,123,900, and homes with four units max out at $1,396,800.
Utilize our FHA calculator to access today’s best FHA rates, where you can compute the required downpayment, assess income conditions, evaluate credit needs, examine reserves, and determine documentation for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with all other available loan programs. Dive into comparisons, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in conjunction with FHA options.
Lendersa® systematically captures loan program data from a vast number of lenders and promptly matches it against your personalized financial scenario and unique needs.
The Loan Limits Comparison Table for 2026 in the county of Galveston, within Galveston, TX, enables you to gauge maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification standards like income, creditworthiness, and reserves, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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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