For 2026 in The-Woodlands county of Montgomery, TX, the FHA loan limits are $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The ceiling for conventional loans on single-family residences is set at $548,250. For homes with 2-units, it rises to $702,000, for 3-units $848,500, and for 4-units, the upper limit is $1,054,500.
Utilize our FHA calculator to discover the most favorable FHA rates available today. It helps in calculating the required down payment, income, credit standards, reserves, and documents for qualifying.
The Lendersa® calculator gives you the capability to compare FHA rates and terms with all other loan program options. Explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA offerings.
Lendersa® efficiently collects comprehensive loan program data from numerous lenders and matches it with your unique financial profile and specific needs.
For a broader view, consult the Loan Limits Comparison Table for 2026 in The-Woodlands county, Montgomery, TX. This compares maximum loan amounts allowed for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification requirements involving income, reserves, and credit, use 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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