For 2026, the FHA loan limit in San-Marcos county, part of Hays, TX, is set at $416,300 for a single-family home. For properties with two units, the cap is $532,950; for three units, it's $644,200; and for four-unit dwellings, the limit is $800,600.
Regarding conventional loans, the highest amount for a single-family home is $548,250. For homes with two units, the cap is $702,000, for three units $848,500, and for four units it reaches $1,054,500.
Our FHA calculator can help you find the optimal rates available today and assess the necessary downpayment, income requirements, credit standing, reserves, and the needed documents for eligibility.
With the Lendersa® calculator, you can directly compare FHA rates and terms with other loan programs. Examine options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA plans.
Lendersa® quickly gathers loan program data from countless lenders and matches it with your distinct financial profile and needs.
In 2026, the Loan Limits Comparison Table for San-Marcos county in Hays, TX, provides comparisons among FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans for maximum amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $416,300 | $532,950 | $644,200 | $800,600 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $333,000 | $333,000 | $333,000 | $333,000 |
| 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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