In 2026, FHA loan limits in Plano, Collin county, TX, are $531,300 for a single-family home, $680,150 for a two-unit home, $822,150 for three units, and $1,021,750 for a property with 4-units.
The ceiling for conventional loans on a single-family home is $726,200, while for 2-units it is $929,850, for 3-units it's $1,123,900, and for a four-unit dwelling, it's $1,396,800.
Use our FHA calculator to check today’s best FHA rates and see what downpayment, income, credit, reserves, and documents you need to qualify.
The Lendersa® calculator allows for comprehensive comparisons of FHA rates and terms with other loan programs. Survey and consider options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® draws data from numerous lenders and swiftly matches it against your personalized financial profile and needs.
The Loan Limits Comparison Table for 2026 in Plano, Collin, TX, provides insights into maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to understand qualification requirements such as 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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