In 2026, the FHA loan limits for Lucas, in the county of Collin, TX, are $531,300 for a single-family home, $680,150 for two units, $822,150 for three units, and $1,021,750 for four-unit homes.
For conventional loans on a single-family residence, the maximum amount is $726,200, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Our FHA calculator helps you find today's best FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents needed to qualify.
Lendersa® calculator facilitates the comparison of FHA rates and terms with those of other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers comprehensive loan data from thousands of lenders and instantly matches it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lucas, Collin, TX, provides a breakdown of maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification criteria such as income, reserves, and credit, use 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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