For 2026, the FHA loan limits in Woodcreek, located in Hays, TX, are set as follows: $571,550 for a single-family home, $731,700 for duplexes, $884,450 for triplexes, and $1,099,150 for four-unit properties.
Regarding conventional loans, the maximum for a single-family residence is $726,200, while it is $929,850 for two-unit homes, $1,123,900 for three-unit homes, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to find today’s optimal FHA rates and assess requirements like the down payment, income, credit score, reserve funds, and necessary documentation for qualification.
With Lendersa®'s tool, you can measure FHA rates and conditions against various other loan types. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA.
Through Lendersa®, loan program details are acquired from a vast number of lenders and quickly matched to your specific financial criteria and requirements.
The Loan Limits Comparison Table for 2026 in Woodcreek, within Hays, TX, displays maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. For examining eligibility factors like income, reserves, and credit, turn to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $571,550 | $731,700 | $884,450 | $1,099,150 |
| 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 | $386,400 | $386,400 | $386,400 | $386,400 |
| 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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