In 2026, the FHA loan limit within Katy county of Harris, TX is established as follows: $472,030 for a single-family home. For properties consisting of two units, the limit extends to $604,400. When considering three-unit homes, the predetermined cap is $730,525. Finally, the highest loan for four-unit structures is set at $907,900. These established limits are vital for prospective buyers planning to invest in properties within these categories, guiding them on allowable expenditures and financing options.
On the other hand, the maximum loan amounts for conventional loans on a single-family residence are set at $726,200. For duplexes or two-unit homes, it increases to $929,850. Properties with three units see the cap reach $1,123,900, while those with four units can finance up to $1,396,800. These limits provide critical parameters for buyers exploring conventional financing, ensuring informed choices are made concerning investment properties.
Leverage our FHA calculator to explore the best current FHA rates available. Explore what’s needed for qualification, including relevant factors like downpayment amounts, income brackets, necessary credit scores, reserve funds, and important documentation. This calculator is an invaluable resource for thoroughly preparing your FHA loan application to ensure a smooth approval process.
Dive into comparing diverse loan offers from over 100 lenders to uncover the most advantageous financial solutions available. This approach guarantees you're making complete and well-informed decisions aligned with your financial goals.
The Lendersa® calculator is a powerful tool designed to help you compare rates and terms of FHA loans with those offered by other financial programs. This includes evaluating Conventional loans, sizable Jumbo options, VA benefits, USDA loans fostering rural development, Non-QM choices for unique financial situations, and flexible hard money loans. Use this resource to thoroughly assess and decide which types of loans align best with your financial strategies.
Lendersa® aggregates comprehensive loan program data from thousands of lenders, efficiently synthesizing the information to offer side-by-side comparisons tailored to your financial circumstances and needs. This ensures the decision-making process is data-rich and accurately reflective of the most viable financial pathways available to you.
The Loan Limits Comparison Table for 2026 in Katy, located in Harris, TX, provides an extensive look at maximum loan sizes across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. Engage the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to delve into and compare crucial qualification criteria, such as income thresholds, reserves, and credit checks. This comprehensive assessment enables a well-rounded understanding of your qualification status and helps prepare you meticulously for the loan qualification journey.
| 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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