For 2026, FHA loan limits in Wharton, located in Wharton, TX, are defined as $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit residences.
The maximum loan amounts for conventional loans on a single-family home stand at $726,200. For two units, it's $929,850; for three units, $1,123,900; and for four units, $1,396,800.
Utilize our FHA calculator to access today’s prime FHA rates and evaluate the necessary downpayment, income, credit, reserves, and documentation needed to qualify.
With the Lendersa® tool, you can compare FHA rates with those from other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects extensive loan data from thousands of lenders, rapidly assessing it against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Wharton, Wharton, TX, provides a comprehensive view of maximum loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. To scrutinize qualification needs such as income, reserves, and credit, utilize 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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