During 2026, the FHA loan limits in Gilmer, situated in Upshur, TX, are $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
The highest loan amount allowed for conventional loans on a single-family residence is $726,200. For homes with two units, the limit is $929,850; for three-unit properties, it is $1,123,900; and for four-unit homes, the ceiling reaches $1,396,800.
Utilize our FHA calculator to find today’s leading FHA rates and determine the required down payment, income, credit score, reserves, and necessary documents to qualify.
The Lendersa® calculator allows comparisons of FHA rates and terms with all other loan programs. You can delve into options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
With data from thousands of lenders, Lendersa® analyzes and aligns loan offerings to your unique financial profile and requirements quickly.
This year’s Loan Limits Comparison Table for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money within Gilmer, Upshur, TX provides a detailed look at maximum loan amounts. To compare qualification aspects such as income, reserves, and credit, utilize 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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