We are here to help you

Call us: 1-866-361-3406

Texas FHA Home Loans

FHA Mortgage Loan Programs in Texas
FHA Loan Requirements - 2022 FHA Loan Limits

Texas FHA Loans | Requirements | 2022 FHA Loan Limits

FHA loans provide a great opportunity to buy a home in Texas.  The FHA (Federal Housing Administration) was created to help the average American have a chance at owning their own home.  One of the reasons that FHA loans are so popular is because of the low down payment option.  FHA loans allow you to purchase a home with only a 3.5% down payment.  There are also less strict requirements to get an FHA loan (compared to conventional loans), such as being able to qualify with a credit score as low as 500.

Texas FHA Loan Requirements

Below are some of the basic requirements to get an FHA loan in Texas.  If you would like to find out if you are eligible for an FHA loan, we can help match you with a lender.  To have an FHA lender contact you, request a free consultation.

  • Credit Score – To qualify for the 3.5% down payment, you must have a 580 credit score or higher. If your credit score is between a 500-579, you still may qualify for an FHA loan, but will be required to put 10% down.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistent employment/income.
  • Financial Statements – You should expect to be required to provide your 2 most recent bank statements, pay stubs, and tax returns.
  • Debt-to-Income – You can not have a debt-to-income ratio higher than 43%.  However, if you have “compensating factors” you might be able to get approved with higher debt levels (a compensating factor could be more money in savings, longer job history, or great credit).
  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. FHA loans are not available to purchase an investment property, second home, or vacation home.
  • Mortgage Insurance – All FHA loans, regardless of the lender, require two types of mortgage insurance.  This includes the UPMIP (Upfront Mortgage Insurance Premium) and the regular MIP (Mortgage Insurance Premium).  FHA MIP acts similarly to how PMI (Private Mortgage Insurance) on a conventional loan acts.  You can use this FHA loan calculator to estimate your monthly payment and mortgage insurance costs.
  • FHA Loan Limits – FHA loans have maximum lending limits, which are set at the county level. You can view the 2022 FHA loan limits for all counties in Texas below.

Would you like to see if you qualify for an FHA loan?  We can help match you with a mortgage lender that offers FHA loans in Texas.  To have an FHA lender contact you, request a free consultation.

2022 Texas FHA Loan Limits

Below are the 2022 FHA loan limits for every county in Texas:

County Single Family 2 Family 3 Family 4 Family
ANDERSON $420,680 $538,650 $651,050 $809,150
ANDREWS $420,680 $538,650 $651,050 $809,150
ANGELINA $420,680 $538,650 $651,050 $809,150
ARANSAS $420,680 $538,650 $651,050 $809,150
ARCHER $420,680 $538,650 $651,050 $809,150
ARMSTRONG $420,680 $538,650 $651,050 $809,150
ATASCOSA $449,650 $575,600 $695,800 $864,700
AUSTIN $420,680 $538,650 $651,050 $809,150
BAILEY $420,680 $538,650 $651,050 $809,150
BANDERA $449,650 $575,600 $695,800 $864,700
BASTROP $483,000 $618,300 $747,400 $928,850
BAYLOR $420,680 $538,650 $651,050 $809,150
BEE $420,680 $538,650 $651,050 $809,150
BELL $420,680 $538,650 $651,050 $809,150
BEXAR $449,650 $575,600 $695,800 $864,700
BLANCO $420,680 $538,650 $651,050 $809,150
BORDEN $420,680 $538,650 $651,050 $809,150
BOSQUE $420,680 $538,650 $651,050 $809,150
BOWIE $420,680 $538,650 $651,050 $809,150
BRAZORIA $420,680 $538,650 $651,050 $809,150
BRAZOS $420,680 $538,650 $651,050 $809,150
BREWSTER $420,680 $538,650 $651,050 $809,150
BRISCOE $420,680 $538,650 $651,050 $809,150
BROOKS $420,680 $538,650 $651,050 $809,150
BROWN $420,680 $538,650 $651,050 $809,150
BURLESON $420,680 $538,650 $651,050 $809,150
BURNET $420,680 $538,650 $651,050 $809,150
CALDWELL $483,000 $618,300 $747,400 $928,850
CALHOUN $420,680 $538,650 $651,050 $809,150
CALLAHAN $420,680 $538,650 $651,050 $809,150
CAMERON $420,680 $538,650 $651,050 $809,150
CAMP $420,680 $538,650 $651,050 $809,150
CARSON $420,680 $538,650 $651,050 $809,150
CASS $420,680 $538,650 $651,050 $809,150
CASTRO $420,680 $538,650 $651,050 $809,150
CHAMBERS $420,680 $538,650 $651,050 $809,150
CHEROKEE $420,680 $538,650 $651,050 $809,150
CHILDRESS $420,680 $538,650 $651,050 $809,150
CLAY $420,680 $538,650 $651,050 $809,150
COCHRAN $420,680 $538,650 $651,050 $809,150
COKE $420,680 $538,650 $651,050 $809,150
COLEMAN $420,680 $538,650 $651,050 $809,150
COLLIN $450,800 $577,100 $697,600 $866,950
COLLINGSWORTH $420,680 $538,650 $651,050 $809,150
COLORADO $420,680 $538,650 $651,050 $809,150
COMAL $449,650 $575,600 $695,800 $864,700
COMANCHE $420,680 $538,650 $651,050 $809,150
CONCHO $420,680 $538,650 $651,050 $809,150
COOKE $420,680 $538,650 $651,050 $809,150
CORYELL $420,680 $538,650 $651,050 $809,150
COTTLE $420,680 $538,650 $651,050 $809,150
CRANE $420,680 $538,650 $651,050 $809,150
CROCKETT $420,680 $538,650 $651,050 $809,150
CROSBY $420,680 $538,650 $651,050 $809,150
CULBERSON $420,680 $538,650 $651,050 $809,150
DALLAM $420,680 $538,650 $651,050 $809,150
DALLAS $450,800 $577,100 $697,600 $866,950
DAWSON $420,680 $538,650 $651,050 $809,150
DEAF SMITH $420,680 $538,650 $651,050 $809,150
DELTA $420,680 $538,650 $651,050 $809,150
DENTON $450,800 $577,100 $697,600 $866,950
DEWITT $420,680 $538,650 $651,050 $809,150
DICKENS $420,680 $538,650 $651,050 $809,150
DIMMIT $420,680 $538,650 $651,050 $809,150
DONLEY $420,680 $538,650 $651,050 $809,150
DUVAL $420,680 $538,650 $651,050 $809,150
EASTLAND $420,680 $538,650 $651,050 $809,150
ECTOR $420,680 $538,650 $651,050 $809,150
EDWARDS $420,680 $538,650 $651,050 $809,150
ELLIS $450,800 $577,100 $697,600 $866,950
EL PASO $420,680 $538,650 $651,050 $809,150
ERATH $420,680 $538,650 $651,050 $809,150
FALLS $420,680 $538,650 $651,050 $809,150
FANNIN $420,680 $538,650 $651,050 $809,150
FAYETTE $420,680 $538,650 $651,050 $809,150
FISHER $420,680 $538,650 $651,050 $809,150
FLOYD $420,680 $538,650 $651,050 $809,150
FOARD $420,680 $538,650 $651,050 $809,150
FORT BEND $420,680 $538,650 $651,050 $809,150
FRANKLIN $420,680 $538,650 $651,050 $809,150
FREESTONE $420,680 $538,650 $651,050 $809,150
FRIO $420,680 $538,650 $651,050 $809,150
GAINES $420,680 $538,650 $651,050 $809,150
GALVESTON $420,680 $538,650 $651,050 $809,150
GARZA $420,680 $538,650 $651,050 $809,150
GILLESPIE $420,680 $538,650 $651,050 $809,150
GLASSCOCK $420,680 $538,650 $651,050 $809,150
GOLIAD $420,680 $538,650 $651,050 $809,150
GONZALES $420,680 $538,650 $651,050 $809,150
GRAY $420,680 $538,650 $651,050 $809,150
GRAYSON $420,680 $538,650 $651,050 $809,150
GREGG $420,680 $538,650 $651,050 $809,150
GRIMES $420,680 $538,650 $651,050 $809,150
GUADALUPE $449,650 $575,600 $695,800 $864,700
HALE $420,680 $538,650 $651,050 $809,150
HALL $420,680 $538,650 $651,050 $809,150
HAMILTON $420,680 $538,650 $651,050 $809,150
HANSFORD $420,680 $538,650 $651,050 $809,150
HARDEMAN $420,680 $538,650 $651,050 $809,150
HARDIN $420,680 $538,650 $651,050 $809,150
HARRIS $420,680 $538,650 $651,050 $809,150
HARRISON $420,680 $538,650 $651,050 $809,150
HARTLEY $420,680 $538,650 $651,050 $809,150
HASKELL $420,680 $538,650 $651,050 $809,150
HAYS $483,000 $618,300 $747,400 $928,850
HEMPHILL $420,680 $538,650 $651,050 $809,150
HENDERSON $420,680 $538,650 $651,050 $809,150
HIDALGO $420,680 $538,650 $651,050 $809,150
HILL $420,680 $538,650 $651,050 $809,150
HOCKLEY $420,680 $538,650 $651,050 $809,150
HOOD $420,680 $538,650 $651,050 $809,150
HOPKINS $420,680 $538,650 $651,050 $809,150
HOUSTON $420,680 $538,650 $651,050 $809,150
HOWARD $420,680 $538,650 $651,050 $809,150
HUDSPETH $420,680 $538,650 $651,050 $809,150
HUNT $450,800 $577,100 $697,600 $866,950
HUTCHINSON $420,680 $538,650 $651,050 $809,150
IRION $420,680 $538,650 $651,050 $809,150
JACK $420,680 $538,650 $651,050 $809,150
JACKSON $420,680 $538,650 $651,050 $809,150
JASPER $420,680 $538,650 $651,050 $809,150
JEFF DAVIS $420,680 $538,650 $651,050 $809,150
JEFFERSON $420,680 $538,650 $651,050 $809,150
JIM HOGG $420,680 $538,650 $651,050 $809,150
JIM WELLS $420,680 $538,650 $651,050 $809,150
JOHNSON $450,800 $577,100 $697,600 $866,950
JONES $420,680 $538,650 $651,050 $809,150
KARNES $420,680 $538,650 $651,050 $809,150
KAUFMAN $450,800 $577,100 $697,600 $866,950
KENDALL $449,650 $575,600 $695,800 $864,700
KENEDY $420,680 $538,650 $651,050 $809,150
KENT $420,680 $538,650 $651,050 $809,150
KERR $420,680 $538,650 $651,050 $809,150
KIMBLE $420,680 $538,650 $651,050 $809,150
KING $420,680 $538,650 $651,050 $809,150
KINNEY $420,680 $538,650 $651,050 $809,150
KLEBERG $420,680 $538,650 $651,050 $809,150
KNOX $420,680 $538,650 $651,050 $809,150
LAMAR $420,680 $538,650 $651,050 $809,150
LAMB $420,680 $538,650 $651,050 $809,150
LAMPASAS $420,680 $538,650 $651,050 $809,150
LA SALLE $420,680 $538,650 $651,050 $809,150
LAVACA $420,680 $538,650 $651,050 $809,150
LEE $420,680 $538,650 $651,050 $809,150
LEON $420,680 $538,650 $651,050 $809,150
LIBERTY $420,680 $538,650 $651,050 $809,150
LIMESTONE $420,680 $538,650 $651,050 $809,150
LIPSCOMB $420,680 $538,650 $651,050 $809,150
LIVE OAK $420,680 $538,650 $651,050 $809,150
LLANO $420,680 $538,650 $651,050 $809,150
LOVING $420,680 $538,650 $651,050 $809,150
LUBBOCK $420,680 $538,650 $651,050 $809,150
LYNN $420,680 $538,650 $651,050 $809,150
MCCULLOCH $420,680 $538,650 $651,050 $809,150
MCLENNAN $420,680 $538,650 $651,050 $809,150
MCMULLEN $420,680 $538,650 $651,050 $809,150
MADISON $420,680 $538,650 $651,050 $809,150
MARION $420,680 $538,650 $651,050 $809,150
MARTIN $420,680 $538,650 $651,050 $809,150
MASON $420,680 $538,650 $651,050 $809,150
MATAGORDA $420,680 $538,650 $651,050 $809,150
MAVERICK $420,680 $538,650 $651,050 $809,150
MEDINA $449,650 $575,600 $695,800 $864,700
MENARD $420,680 $538,650 $651,050 $809,150
MIDLAND $420,680 $538,650 $651,050 $809,150
MILAM $420,680 $538,650 $651,050 $809,150
MILLS $420,680 $538,650 $651,050 $809,150
MITCHELL $420,680 $538,650 $651,050 $809,150
MONTAGUE $420,680 $538,650 $651,050 $809,150
MONTGOMERY $420,680 $538,650 $651,050 $809,150
MOORE $420,680 $538,650 $651,050 $809,150
MORRIS $420,680 $538,650 $651,050 $809,150
MOTLEY $420,680 $538,650 $651,050 $809,150
NACOGDOCHES $420,680 $538,650 $651,050 $809,150
NAVARRO $420,680 $538,650 $651,050 $809,150
NEWTON $420,680 $538,650 $651,050 $809,150
NOLAN $420,680 $538,650 $651,050 $809,150
NUECES $420,680 $538,650 $651,050 $809,150
OCHILTREE $420,680 $538,650 $651,050 $809,150
OLDHAM $420,680 $538,650 $651,050 $809,150
ORANGE $420,680 $538,650 $651,050 $809,150
PALO PINTO $420,680 $538,650 $651,050 $809,150
PANOLA $420,680 $538,650 $651,050 $809,150
PARKER $450,800 $577,100 $697,600 $866,950
PARMER $420,680 $538,650 $651,050 $809,150
PECOS $420,680 $538,650 $651,050 $809,150
POLK $420,680 $538,650 $651,050 $809,150
POTTER $420,680 $538,650 $651,050 $809,150
PRESIDIO $420,680 $538,650 $651,050 $809,150
RAINS $420,680 $538,650 $651,050 $809,150
RANDALL $420,680 $538,650 $651,050 $809,150
REAGAN $420,680 $538,650 $651,050 $809,150
REAL $420,680 $538,650 $651,050 $809,150
RED RIVER $420,680 $538,650 $651,050 $809,150
REEVES $420,680 $538,650 $651,050 $809,150
REFUGIO $420,680 $538,650 $651,050 $809,150
ROBERTS $420,680 $538,650 $651,050 $809,150
ROBERTSON $420,680 $538,650 $651,050 $809,150
ROCKWALL $450,800 $577,100 $697,600 $866,950
RUNNELS $420,680 $538,650 $651,050 $809,150
RUSK $420,680 $538,650 $651,050 $809,150
SABINE $420,680 $538,650 $651,050 $809,150
SAN AUGUSTINE $420,680 $538,650 $651,050 $809,150
SAN JACINTO $420,680 $538,650 $651,050 $809,150
SAN PATRICIO $420,680 $538,650 $651,050 $809,150
SAN SABA $420,680 $538,650 $651,050 $809,150
SCHLEICHER $420,680 $538,650 $651,050 $809,150
SCURRY $420,680 $538,650 $651,050 $809,150
SHACKELFORD $420,680 $538,650 $651,050 $809,150
SHELBY $420,680 $538,650 $651,050 $809,150
SHERMAN $420,680 $538,650 $651,050 $809,150
SMITH $420,680 $538,650 $651,050 $809,150
SOMERVELL $420,680 $538,650 $651,050 $809,150
STARR $420,680 $538,650 $651,050 $809,150
STEPHENS $420,680 $538,650 $651,050 $809,150
STERLING $420,680 $538,650 $651,050 $809,150
STONEWALL $420,680 $538,650 $651,050 $809,150
SUTTON $420,680 $538,650 $651,050 $809,150
SWISHER $420,680 $538,650 $651,050 $809,150
TARRANT $450,800 $577,100 $697,600 $866,950
TAYLOR $420,680 $538,650 $651,050 $809,150
TERRELL $420,680 $538,650 $651,050 $809,150
TERRY $420,680 $538,650 $651,050 $809,150
THROCKMORTON $420,680 $538,650 $651,050 $809,150
TITUS $420,680 $538,650 $651,050 $809,150
TOM GREEN $420,680 $538,650 $651,050 $809,150
TRAVIS $483,000 $618,300 $747,400 $928,850
TRINITY $420,680 $538,650 $651,050 $809,150
TYLER $420,680 $538,650 $651,050 $809,150
UPSHUR $420,680 $538,650 $651,050 $809,150
UPTON $420,680 $538,650 $651,050 $809,150
UVALDE $420,680 $538,650 $651,050 $809,150
VAL VERDE $420,680 $538,650 $651,050 $809,150
VAN ZANDT $420,680 $538,650 $651,050 $809,150
VICTORIA $420,680 $538,650 $651,050 $809,150
WALKER $420,680 $538,650 $651,050 $809,150
WALLER $420,680 $538,650 $651,050 $809,150
WARD $420,680 $538,650 $651,050 $809,150
WASHINGTON $420,680 $538,650 $651,050 $809,150
WEBB $420,680 $538,650 $651,050 $809,150
WHARTON $420,680 $538,650 $651,050 $809,150
WHEELER $420,680 $538,650 $651,050 $809,150
WICHITA $420,680 $538,650 $651,050 $809,150
WILBARGER $420,680 $538,650 $651,050 $809,150
WILLACY $420,680 $538,650 $651,050 $809,150
WILLIAMSON $483,000 $618,300 $747,400 $928,850
WILSON $449,650 $575,600 $695,800 $864,700
WINKLER $420,680 $538,650 $651,050 $809,150
WISE $450,800 $577,100 $697,600 $866,950
WOOD $420,680 $538,650 $651,050 $809,150
YOAKUM $420,680 $538,650 $651,050 $809,150
YOUNG $420,680 $538,650 $651,050 $809,150
ZAPATA $420,680 $538,650 $651,050 $809,150
ZAVALA $420,680 $538,650 $651,050 $809,150

    Get a Free Mortgage Consultation


    Minimum Down Payment Required

    Home Loan Programs Available In:

    Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Kansas, Kentucky, Louisiana, Idaho, Iowa, Illinois, Indiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.