In 2026, within Lockhart, located in Caldwell county, TX, the FHA loan limits are defined as $571,550 for a single-family residence, $731,700 for two-unit homes, $884,450 for three units, and $1,099,150 for four-unit dwellings.
The ceiling for conventional loans on a single-family home is $726,200, increasing to $929,850 for two-unit properties, $1,123,900 for three-unit homes, and expanding to $1,396,800 for those with four units.
Make use of our FHA calculator to explore today’s leading FHA rates and determine the needed downpayment, income, credit score, reserves, and necessary documents for qualification.
The Lendersa® calculator allows you to examine FHA rates and terms alongside all other loan program options. Compare and contrast options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA options.
Leveraging data from thousands of lenders, Lendersa® quickly aligns these loan program offerings with your personal financial profiles and needs for efficient comparison.
The Loan Limits Comparison Table for 2026 in Lockhart, Caldwell, TX, showcases comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans in terms of maximum amounts. To review eligibility requirements, including income, reserves, and credit aspects, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $571,550 | $731,700 | $884,450 | $1,099,150 |
| 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 | $386,400 | $386,400 | $386,400 | $386,400 |
| 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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