In 2026, the FHA loan limits for Vernon, located in Wilbarger, TX, are set at $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit properties.
The conventional loan maximums for a single-family residence are $726,200, escalating to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to explore today's leading FHA rates and calculate requirements for downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator compares FHA rates and terms against those of other loan programs. Consider alternatives such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
By accessing data from a plethora of lenders, Lendersa® efficiently matches it with your unique financial profile and needs in mere seconds.
The Loan Limits Comparison Table for 2026 in Vernon, Wilbarger, TX, provides a comprehensive comparison of maximum loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. To evaluate qualification requirements like income, reserves, and credit, employ 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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