For 2026, the FHA loan limits for Tyler county located within Smith, TX amount to $472,030 for a single-family home. If the property includes 2-units, the limit is $604,400; for 3-units, it's $730,525; and for those with 4-units, it stands at $907,900.
As for conventional loans, the maximum loan amount allowed for a single-family residence is $726,200. When dealing with 2-units, the cap is $929,850, for 3-units it is $1,123,900, and for properties with 4-units, the limit extends to $1,396,800.
Make use of our FHA calculator to review today's leading FHA rates. This tool will also aid you in assessing the required down payment, determining necessary income, credit standards, reserves, and requisite documentation for qualification.
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Lendersa®'s calculator provides a comprehensive comparison of FHA rates and terms with alternate loan programs. You can explore and line up options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA choices.
Importantly, Lendersa® aggregates extensive loan program data from numerous lenders and quickly matches it with your individual financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 in Tyler county situated in Smith, TX for a detailed analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand the qualifications concerning income, reserve funds, and credit requirements, rely on 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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