In 2026, the FHA loan limits in Houston, within Harris county, TX, are designated as follows: $472,030 for a single-family home, $604,400 for properties with 2-units, $730,525 for homes with 3-units, and $907,900 for houses with 4-units.
Conventional loan maximums for single-family residences are $726,200. For two-unit homes, the cap is $929,850; for 3-units, it increases to $1,123,900, and for buildings with 4-units, it is $1,396,800.
Utilize our FHA calculator to access today's leading FHA rates and determine what downpayment, income, credit score, reserves, and documentation are required for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those of a broad range of loan programs. Examine options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA possibilities.
Lendersa® efficiently aggregates loan program data from thousands of lenders, comparing it swiftly with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Houston, Harris, TX is invaluable for comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly analyze qualification requirements like income, reserves, and credit, use 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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