As of 2026, the FHA loan limits in Spring-Valley-Village county of 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.
Conventional loans have maximum amounts of $548,250 for a single-family residence, $702,000 for two-units, $848,500 for three-units, and $1,054,500 for four-units.
Utilize our FHA calculator to view today’s top FHA rates and determine the required downpayment, as well as income, credit, reserves, and documents for qualification.
Lendersa® calculator allows comparisons between FHA rates and terms with those of other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers program data from thousands of lenders and swiftly aligns it with your financial profile to address your needs.
The Loan Limits Comparison Table for 2026 in Spring-Valley-Village county of Harris, TX compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria like income, reserves, and credit, use 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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