For 2026, the FHA loan limits in El Paso, TX, particularly for the county of Westway, are established at $472,030 for a single-family home. The limit for 2-unit residences stands at $604,400, for 3-units at $730,525, while multi-family homes with 4 units have a threshold of $907,900.
When it comes to conventional loans, the highest allowable amount for a single-family home reaches $726,200. For properties consisting of 2-units, the figure is $929,850. The limit advances to $1,123,900 for residences with 3-units, and for those with 4-units, the cap is $1,396,800.
Take advantage of our FHA calculator to access current FHA favorable rates, and calculate requirements for downpayment, credit rating, income verification, reserves, along with any necessary documentation to ascertain qualification.
The Lendersa® calculator provides a comparison of the rates & terms across all loan offerings, including FHA, with the addition of conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, among others.
Lendersa® compiles data from a multitude of lenders, offering rapid comparisons tailored to your distinct financial profile and specific needs.
The Loan Limits Comparison Table for 2026 specifically for Westway county, part of El Paso, TX juxtaposes FHA with other types such as Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money to compare maximum loan capacities. To assess qualifying criteria like income, reserves, and credit, try out 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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