For 2026, the FHA loan limits in Santa-Fe County of Galveston, TX, are specified as: $356,362 for a single-family residence, $456,275 for two-unit properties, $551,500 for three units, and $685,400 for properties with four units.
The upper limit for conventional loan amounts on a single-family household is $548,250, increasing to $702,000 for dual units, $848,500 for triple units, and $1,054,500 for quadruple units.
To examine the best available FHA rates today and determine the necessary downpayment, income level, credit score, reserves, and required documentation for eligibility, use our FHA calculator.
The Lendersa® calculator allows you to compare FHA rates and terms with a variety of other loan programs such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, in contrast to FHA.
Lendersa® compiles data from thousands of lenders and analyzes it in seconds to tailor results according to your distinct financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Santa-Fe County, Galveston, TX, elaborates the highest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare qualification criteria such as income, reserves, and credit with the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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