For the year 2026, the FHA loan limit in Hempstead, located in Waller, TX, is $472,030 for a single-family home. For 2-units, it is $604,400; for 3-units, it's $730,525; and for 4-units, the limit is $907,900.
Concerning conventional loans, the cap for a single-family residence reaches $726,200, while 2-units have a ceiling of $929,850. For 3-units and 4-units, the amounts are $1,123,900 and $1,396,800 respectively.
Try our FHA calculator to explore today's leading FHA rates, and find out the necessary down payment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator empowers you to evaluate FHA rates and terms alongside all other loan program offerings, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Aggregating data from thousands of lenders, Lendersa® rapidly compares these against your distinct financial profile and necessities.
The Loan Limits Comparison Table for 2026 in Hempstead, which falls within Waller, TX, allows for comparison of the maximum allowable loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review eligibility requirements, including income, reserves, and credit.
| 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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