In 2026, FHA loan limits within Lubbock county of Lubbock, TX are set as follows: a single-family home is capped at $472,030, a 2-unit dwelling at $604,400, for 3-units, it's $730,525, and for properties with 4-units, the limit reaches $907,900.
Maximum amounts for conventional loans for a single-family residence are set at $726,200. For 2-unit properties, it is $929,850, for 3-units, it's $1,123,900, and for 4-unit buildings, it is $1,396,800.
Use our FHA calculator to explore today’s best FHA rates and identify the necessary downpayment, income level, credit, reserves, and documents required for qualification.
The Lendersa® calculator is designed to facilitate the comparison of FHA rates and terms with those of other loan programs. It allows you to assess options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA plans.
By gathering loan program data from thousands of lenders, Lendersa® swiftly matches it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lubbock, county of Lubbock, TX, provides a detailed breakdown of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money products. To thoroughly assess qualification needs, including 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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