As of 2026, the FHA loan limit in Spring county of Harris, TX is set at $472,030 for single-family homes. For 2-units, it is $604,400, for 3-units $730,525, and for 4-units, $907,900.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For homes with 2-units, it is $929,850, for 3-units $1,123,900, and $1,396,800 for 4-units.
Use our FHA calculator to check today’s top FHA rates, and calculate the needed downpayment, income, credit, reserves, and documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with all other loan programs. Investigate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® quickly fetches data from thousands of lenders, allowing comparisons against your unique financial profile and needs.
The 2026 Loan Limits Comparison Table for Spring county of Harris, TX allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Assess qualification requirements, like income, reserves, and credit, using 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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