In 2026, FHA loan limits in Henrietta county within Clay, TX are structured as follows: $472,030 is the cap for a single-family home. For 2-units, it is $604,400; for 3-units, it climbs to $730,525, and for properties comprising 4-units, it is capped at $907,900.
The conventional loan maximums are set at $726,200 for a single-family residence, with $929,850 for 2-units, $1,123,900 for 3-units, and reaching $1,396,800 for 4-units.
Leverage our FHA calculator to find today's best FHA rates, assess the necessary downpayments, verify income requirements, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms alongside other loan programs. This includes assessments for Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in conjunction with FHA.
Lendersa® sources extensive data from numerous lenders, rapidly aligning it to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Henrietta county, part of Clay, TX, provides a comprehensive comparison of maximum loan sizes for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualification prerequisites such as income, reserves, and credit, make use of 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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