In 2026, the FHA loan limits in Horizon-City county of El Paso, TX, are set at $356,362 for a single-family home. For properties with two units, the limit is $456,275, for three units it is $551,500, and for four units, the cap is $685,400.
For conventional loans, the maximum amount for a single-family residence is $548,250. For properties with two units, it rises to $702,000; for three units, it is $848,500; and for four-unit properties, it's capped at $1,054,500.
Use our FHA calculator to explore today’s top FHA rates and determine the required downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator is a valuable tool for comparing FHA loan rates and terms with those of other programs. Explore various options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from thousands of lenders, quickly aligning it with your financial profile and needs to offer efficient comparisons.
Check the Loan Limits Comparison Table for 2026 in Horizon-City county of El Paso, TX, which shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For detailed criterion comparisons such as income, reserves, and credit, use 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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