In 2026, the FHA loan limits for Joshua county in Johnson, TX are specified as $531,300 for a single-family dwelling, $680,150 for two-unit properties, $822,150 for three-unit buildings, and $1,021,750 for four-unit homes.
The upper limit for conventional loans on a single-family home is $726,200. It is $929,850 for two units, with the maximum for three-unit and four-unit residences set at $1,123,900 and $1,396,800 respectively.
Use our FHA calculator to check out the most competitive FHA rates available today and determine the necessary down payment. Also, identify the income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator facilitates a comparison between FHA rates and terms and those of all other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in addition to FHA.
Lendersa® sources loan program data from thousands of lenders, rapidly aligning it with your personal financial circumstances.
The Loan Limits Comparison Table for 2026 in Joshua, located within Johnson, TX, allows you to contrast maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review eligibility requirements related to income, reserves, and credit, make use of 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 | $360,600 | $360,600 | $360,600 | $360,600 |
| 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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