During 2026, the FHA loan boundaries in Red-Oak within Ellis, TX, are outlined as follows: $411,700 for single-family homes, $527,050 for duplexes, $637,050 for triplexes, and $791,750 for quadplexes.
On the other hand, the maximum limit for conventional loans is $548,250 for individual family residences, $702,000 for two-unit structures, $848,500 for three-unit buildings, and $1,054,500 for four-unit residences.
Leverage our FHA calculator to access up-to-date FHA interest rates and calculate necessary downpayments. Additionally, you can evaluate related aspects like income requirements, credit standings, reserves, and documentation needed for loan qualification.
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Using the Lendersa® calculator, you can juxtapose FHA rates and terms with alternative loan program offerings. This includes options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates lender data from numerous sources, delivering comprehensive comparisons in a matter of seconds based on your financial profile and circumstances.
The Loan Limits Comparison Table for 2026 in Red-Oak, Ellis, TX, lets you inspect the upper bounds on FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for insights on income, reserves, and credit qualifications.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $411,700 | $527,050 | $637,050 | $791,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $329,300 | $329,300 | $329,300 | $329,300 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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