For 2026, in Melissa County of Collin, TX, the FHA loan limits are as follows: $531,300 for a single-family home, $680,150 for duplexes, $822,150 for triplexes, and $1,021,750 for four-unit buildings.
The highest conventional loan limits include $726,200 for a single-family residence, $929,850 for two-unit properties, $1,123,900 for three-units, and $1,396,800 for four-unit residences.
Use our FHA calculator to view today's leading FHA rates and calculate the downpayment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator helps compare FHA rates and terms with those from other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders, allowing for quick, customized comparisons to match your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Melissa, Collin, TX, displays the maximum 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 evaluating requirements like income, reserves, and credit.
| 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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