In 2026, the FHA loan limit for Whitehouse in Smith, TX, stands at $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans on single-family homes is $726,200. For two units, it is $929,850, for three units $1,123,900, and for four units $1,396,800.
Use our FHA calculator to discover today’s top FHA rates and calculate downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® tool allows you to compare FHA rates and terms with those of other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles extensive data from numerous lenders, rapidly evaluating it against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Whitehouse, Smith, TX provides maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) to explore qualifications such as income, reserves, and credit.
| 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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