For 2026, the FHA loan limit in Royse-City within Rockwall county, TX, is $411,700 for single-family homes, $527,050 for duplexes, $637,050 for triplexes, and $791,750 for four-unit buildings.
The maximum for conventional loans on a single-family home is $548,250, $702,000 for two units, $848,500 for three units, and $1,054,500 for those with four units.
Our FHA calculator helps you find today's best FHA rates and calculates the downpayment, required income, credit score, reserves, and necessary documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan program data from numerous lenders, comparing it to your specific financial needs.
For 2026 in Royse-City, Rockwall, TX, the Loan Limits Comparison Table offers insights into maximum amounts for 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™) for detailed qualification needs regarding income, reserves, and credit.
| 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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