In the year 2026, the FHA loan limit in Waco county of McLennan, TX, is set at $472,030 for a single-family home. For properties with 2-units, this limit is $604,400, whereas, for 3-units, it's $730,525, and for 4-units, the limit is $907,900.
Regarding conventional loans, the maximum allowable amount for a single-family residence is $726,200. The limit is $929,850 for homes with two units, $1,123,900 for those with three units, and $1,396,800 for properties featuring four-units.
Our FHA calculator is a handy tool to help you find today’s best FHA rates and calculate details such as the required down payment, income, credit score, reserves, and the necessary documents for qualification.
The Lendersa® calculator is a powerful tool, enabling you to compare FHA rates and terms directly with a wide range of other loan programs. Delve into the specifics of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® sources its extensive loan program data from thousands of lenders and rapidly aligns this information with your personal financial profile and needs.
Review the Loan Limits Comparison Table for 2026 in Waco county of McLennan, TX, to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification requirements including income and credit needs along with reserves, use the 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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