In 2026, in the county of Gaines covering Seminole, TX, the FHA loan limits are set at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
The upper limit for conventional loans on single-family homes is $726,200. For duplexes, the limit is $929,850. For triplexes and quadplexes, the maximum amounts are $1,123,900 and $1,396,800, respectively.
Take advantage of our FHA calculator to find today's superior FHA rates and calculate the required down payments. It also helps determine the necessary income, credit, reserves, and documentation for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of all other loan programs. Delve into and compare Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® aggregates loan program data from thousands of lenders and swiftly compares it against your unique financial circumstances and requirements.
The Loan Limits Comparison Table for 2026 in Seminole, located in Gaines, TX, enables the evaluation of maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification standards like income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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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