For 2026, the FHA loan limit in Luling, within Caldwell, TX, is $571,550 for a single-family home, $731,700 for 2-unit homes, $884,450 for 3-units, and $1,099,150 for 4-units.
The ceiling for conventional loans on single-family residences is $726,200, followed by $929,850 for two-unit homes, $1,123,900 for three-unit homes, and $1,396,800 for four-unit dwellings.
With our FHA calculator, view today’s best FHA rates and determine the necessary down payment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® acquires loan data from thousands of lenders, providing quick comparisons tailored to your financial needs.
The Loan Limits Comparison Table for 2026 in Luling, within Caldwell, TX, offers comparisons of maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing qualifications like income, reserves, and credit.
| 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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