In the year 2026, FHA loan limits in Pharr county, part of Hidalgo, TX, are: $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
For conventional loans, the cap for a single-family residence is $726,200. For two-unit properties it's set at $929,850, three-unit dwellings have a limit of $1,123,900, and four-unit residences max out at $1,396,800.
Utilize our FHA calculator to uncover today's best FHA rates and figure out the necessary downpayment, evaluate income, assess credit requirements, check reserves, and understand the documentation needed to qualify.
The Lendersa® calculator enables a thorough comparison of the FHA rates and terms with all other loan program options. Delve into Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, and compare these with FHA offers.
Lendersa® efficiently compiles data from multiple lending sources, providing a rapid comparison against your unique financial profile and needs, all within seconds.
For 2026, the Loan Limits Comparison Table in Pharr county within Hidalgo, TX, allows for comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans for their maximum amounts. To thoroughly review qualification requirements like income, reserves, and credit, employ 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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