As of 2026, the FHA loan cap for Midlothian in Ellis, TX is $531,300 for a single-family home. For duplexes, it's $680,150; for triplexes, it's $822,150; and for four-unit buildings, the limit is $1,021,750.
Conventional loans have maximum limits of $726,200 for a single family, $929,850 for two-unit structures, $1,123,900 for three-unit buildings, and $1,396,800 for four-unit homes.
Use our FHA calculator to find current optimal FHA rates and determine the necessary down payment, income, credit, reserve requirements, and documentation needed for qualification.
The Lendersa® calculator allows comparison of FHA rates with those of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly aggregates data from thousands of lenders, aligning it with your financial profile to meet your unique needs.
Consult the Loan Limits Comparison Table for 2026 in Midlothian County, Ellis, TX, comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. For comparing qualification elements like income, reserves, and credit, use 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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