For 2026, the FHA loan limit in Hereford within Deaf Smith county, TX, is set at $472,030 for a single-family home. For duplexes, it rises to $604,400, moving to $730,525 for triplexes, and extends to $907,900 for four-unit residences.
The upper limit for conventional loans on a single-family dwelling is $726,200. This increases to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
With our FHA calculator, you can explore today’s best FHA rates and calculate the required downpayment, income, credit, reserves, and the documents necessary for qualification.
The Lendersa® calculator allows you to compare rates and terms of FHA loans with those from other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers detailed loan data from numerous lenders, providing rapid comparisons that cater to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Hereford, Deaf Smith, TX, offers a detailed examination of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs such as income, reserves, and credit, utilize 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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