In 2026, the FHA loan limit in Wichita-Falls county of Wichita, TX, is $356,362 for a single-family home. For 2-units, it's $456,275; for 3-units, $551,500; and for 4-units, it's $685,400.
Conventional loans have a maximum amount of $548,250 for single-family homes, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to determine today’s top FHA rates and to find out what down payment, income, and credit requirements, along with reserves and documents, are needed to qualify.
Lendersa® calculator lets you compare FHA rates and terms with other loan program options. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
It swiftly pulls data from many lenders and aligns it to your financial details and needs.
Check the Loan Limits Comparison Table for 2026 in Wichita-Falls, Wichita, TX. This covers FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification aspects like income, reserves, and credit, turn to Lendersa® SLIQ™.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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