For 2026, the FHA loan limits established in McKinney, Collin county, TX, are as follows: $531,300 for a single-family home, $680,150 for 2-units, $822,150 for 3-units, and $1,021,750 for properties with 4-units.
Concerning conventional loans, the maximum for a single-family residence is $726,200, increasing to $929,850 for 2-units, $1,123,900 for three units, and finally $1,396,800 for homes with 4-units.
Utilize our FHA calculator to discover today’s most attractive FHA rates, determining the necessary downpayment, income requirements, credit, reserves, and requisite documents to qualify.
Utilize the Lendersa® calculator to compare rates and terms of FHA loans with those of other programs. Explore a wealth of options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles comprehensive loan program data from myriad lenders, tailoring it swiftly to your particular financial profile and requirements.
The Loan Limits Comparison Table for 2026 in McKinney, Collin, TX, offers a thorough comparison of the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an examination of qualification requirements such as income, reserves, and credit, leverage 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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