In 2026, the FHA loan limits for Stephenville county, part of Erath, TX, are set as follows: $472,030 for a single-family home. For properties with two units, the limit increases to $604,400. When it comes to three-unit homes, the maximum allowed is $730,525, and for four-unit buildings, it is $907,900.
The maximum permissible amount for conventional loans on a single-family residence is $726,200. For two-unit properties, the cap is $929,850. For those with three units, it extends to $1,123,900, and for four-unit properties, it's capped at $1,396,800.
Make use of our FHA calculator to explore today’s leading FHA rates. This tool will assist you in determining crucial elements such as the necessary downpayment, income brackets, credit needs, reserve requirements, and essential documentation for eligibility.
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The Lendersa® calculator is an invaluable resource enabling you to compare FHA rates and terms with other loan programs. Consider Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money alternatives alongside FHA options.
Lendersa® retrieves comprehensive loan program data from thousands of lenders, expertly comparing it with your unique financial profile and needs within seconds.
The Loan Limits Comparison Table for 2026 in Stephenville county, Erath, TX, provides a detailed analysis across various financing options. Compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To effectively compare qualification requirements like income, reserves, and credit needs, leverage 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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