For 2026, FHA loan limits in Winnsboro county, part of Wood, TX, are $472,030 for a single-family home, $604,400 for 2-unit buildings, $730,525 for 3-units, and $907,900 for structures with 4-units.
Conventional loan ceilings are $726,200 for single-family homes, $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to find today’s top FHA rates and compute downpayments, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates versus other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles extensive lender data to quickly align with your financial profile and needs.
See the Loan Limits Comparison Table for 2026 in Winnsboro county, Wood, TX comparing FHA, Conventional, Jumbo, USDA, VA, Non-QM, and other loan amounts. Evaluate qualifications such as income and reserves using 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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