In the year 2026, the FHA loan ceiling for Sugar-Land county, in the Fort Bend zone of TX, is set at $356,362 for a single-family home. For 2-units, it's $456,275; for 3-units, $551,500; and for properties with 4-units, the limit is $685,400.
Regarding conventional loans, the highest loan amount for a single-family dwelling is $548,250. For homes with 2-units, it rises to $702,000, for 3-units $848,500, and for 4-units, it caps at $1,054,500.
Utilize our FHA calculator to gain insights into today’s finest FHA rates. It can also help you calculate needed downpayments, income benchmarks, credit criteria, reserves, and requisite documentation for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with other loan programs. Investigate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA terms.
Lendersa® efficiently gathers extensive loan program data from a multitude of lenders, matching it rapidly to your financial profile and unique needs.
Consult the Loan Limits Comparison Table for 2026 in Sugar-Land county, under Fort Bend, TX, to assess FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan values. To review qualification requirements including income, reserves, and credit conditions, employ 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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