In 2026, FHA loan limits in McAllen, Hidalgo county of TX are structured as follows: for a single-family home, the limit is $472,030; for a 2-unit dwelling, it's $604,400; for 3-units, it's $730,525, and $907,900 applies to 4-unit residences.
The maximum loan amounts for conventional loans on a single-family residence are $726,200. It is $929,850 for properties with two units, $1,123,900 for those with three, and $1,396,800 for four-unit buildings.
Use our FHA calculator to explore today's best FHA rates. Determine the necessary downpayment, income level, credit score, reserves, and documentation needed to qualify effectively.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan types, providing a comprehensive analysis. Investigate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, comparing them alongside FHA.
Lendersa® efficiently compiles loan program data from an extensive network of thousands of lenders, aligning it seamlessly with your personal financial needs in mere seconds.
The Loan Limits Comparison Table for 2026 in McAllen, Hidalgo, TX provides a detailed examination of maximum limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough review of qualification requirements—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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