During 2026, the FHA loan cap in the county of Bell in Harker-Heights, TX, is set to $356,362 for single-family homes. For residences with two units, the limit is $456,275; for those with three units, it is $551,500; and for those with four, the maximum is $685,400.
As for conventional loans, the maximum lending amount is $548,250 for a single-family dwelling. For duplexes, the limit is $702,000, while for triplexes it is $848,500, and for four-unit properties, it reaches $1,054,500.
To find today's most favorable FHA rates, utilize our FHA calculator. This tool aids in identifying necessary components such as the down payment, income requirements, credit pre-requisites, reserve needs, and pertinent documentation essential for qualifying.
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For 2026, the Loan Limits Comparison Table in Harker-Heights, based in Bell, TX, provides a comprehensive comparison of maximum amounts available through varied loan types like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate vital qualifications such as income, reserves, and credit by employing the Lendersa® Super Loan Integrated Qualifier (SLIQ™)
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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