In 2026, the FHA loan limits for Richardson county, Dallas, TX, are as follows: $531,300 for single-family homes. For homes with 2-units, it's $680,150, for 3-units it's $822,150, and for 4-units, the limit is $1,021,750.
Conventional loans have a maximum amount of $726,200 for single-family residences. The limits are $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
To find today’s top FHA rates, use our FHA calculator. It helps determine the necessary down payment, income qualifications, credit requirements, reserves, and documentation needed to qualify.
The Lendersa® calculator provides a comparison of FHA rates and terms with those from other loan programs. You can explore options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® collects extensive data from thousands of lenders, aligning it quickly with your financial profile and requirements.
Loan Limits Comparison Table for 2026 in Richardson county, Dallas, TX, shows FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To explore qualification requirements 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 | $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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