As of 2026, the FHA loan limit in the county of Dallas, situated in Hutchins, TX, is $531,300 for single-family homes. For two-unit structures, the limit is $680,150, for three units, it is $822,150, and for four-unit buildings, it is $1,021,750.
Concerning conventional loans, the maximum amount for a single-family residence stands at $726,200. For two-unit homes, it's $929,850; for three units, the limit is $1,123,900; and for four-unit homes, it is $1,396,800.
Our FHA calculator can show you today's leading FHA rates and help you determine the needed down payment, applicable income, credit score, reserves, and documentation to qualify.
The Lendersa® calculator enables comparisons between FHA rates and terms and those of all other loan programs. You can critically evaluate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
From a diversity of lenders, Lendersa® gathers extensive loan program data and rapidly compares it against your tailored financial profile and needs.
The Loan Limits Comparison Table for 2026 in Hutchins, Dallas, TX, offers a breakdown of maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare criteria like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $531,300 | $680,150 | $822,150 | $1,021,750 |
| 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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