In the year 2026, the FHA loan limits within the county of Gray, found in Pampa, TX, include $472,030 for single-family homes. For duplexes, it is $604,400; it reaches $730,525 for triplexes, and the limit extends to $907,900 for four-unit residences.
Meanwhile, conventional loans have a maximum amount of $726,200 for a single-family home. For two-unit properties, the maximum limit is $929,850; for three units, it is $1,123,900; and for four-unit buildings, it stands at $1,396,800.
Utilize our FHA calculator for an insight into today’s top FHA rates. Additionally, discover the downpayment required, as well as the necessary income, credit criteria, financial reserves, and documents to qualify for the loan.
With the Lendersa® calculator, you can effectively evaluate FHA rates and terms alongside those of all other loan programs available. This includes assessments of Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans, all compared with FHA loans for added insight.
Lendersa® swiftly compiles loan program data obtained from many lenders, analyzing it against your distinct financial profile and needs within seconds.
The Loan Limits Comparison Table for 2026 in Pampa, the county of Gray, TX, presents a comparative analysis of maximum loan amounts across various lending programs, including FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To meticulously compare qualification requirements like income levels, reserves, and credit scores, make use of 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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