For 2026, FHA loan limits in South-Houston, Harris, TX, are as follows: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
When it comes to conventional loans, the top amounts are $548,250 for a single-family dwelling, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for fourplexes.
Our FHA calculator can help you identify today’s prime FHA rates, and determine the necessary downpayment, along with income, credit, reserves, and essential documents for qualification.
Using the Lendersa® calculator, you can contrast FHA rate and terms with those offered by other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Compare a range of loan possibilities to best meet your needs.
By sourcing data from thousands of lenders, Lendersa® provides swift comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in South-Houston, Harris, TX, showcases maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed assessment criteria like income, reserves, and credit, use Lendersa®'s 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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