In 2026, the FHA loan limit for Texas-City county, within Galveston, TX, is designated at $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The maximum conventional loan amount for a single-family residence is $548,250. For homes that have 2-units, it's $702,000; for 3-units, the maximum is $848,500; and for 4-units, the limit is elevated to $1,054,500.
Use our FHA calculator to explore the best FHA rates today. It helps determine the necessary down payment, income qualifications, credit score requirements, reserves, and documentation needed for eligibility.
The Lendersa® calculator facilitates comparison of FHA rates and conditions with those of other loan programs. Consider options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA terms.
Lendersa® quickly aligns detailed loan program data from numerous lenders with your personal financial profile and unique needs.
Refer to the Loan Limits Comparison Table for 2026 in Texas-City county of Galveston, TX to analyze FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To explore qualification criteria like income, reserve funds, and credit, employ 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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