Texas FHA specialists
FHA home loans in Texas, with as little as 3.5% down
Purchase, refinance, streamline, cash-out, and 203(k) renovation financing for Texas families — including buyers with limited down payment funds or bruised credit. Straight answers, real numbers, no runaround.
- 3.5%
- Minimum down payment
- 580+
- Credit score starting point
- 254
- Texas counties served
Choose your FHA path
Every FHA option has its own rules and paperwork. Start with the one that matches your situation — we'll confirm eligibility and price it out.
FHA Purchase
See guidelines, who it fits, and get a quote in two steps.
Learn moreFHA Refinance
See guidelines, who it fits, and get a quote in two steps.
Learn moreStreamline Refinance
See guidelines, who it fits, and get a quote in two steps.
Learn moreCash-Out Refinance
See guidelines, who it fits, and get a quote in two steps.
Learn more203(k) Renovation
See guidelines, who it fits, and get a quote in two steps.
Learn moreFirst-Time Buyer
See guidelines, who it fits, and get a quote in two steps.
Learn moreSelf-Employed Borrowers
See guidelines, who it fits, and get a quote in two steps.
Learn moreDown Payment Assistance
Texas TDHCA and TSAHC programs that stack with an FHA loan to cover your down payment.
Learn more
2026 Texas FHA loan limits
Most Texas counties allow an FHA loan up to $541,287 on a single-family home. High-cost metros go higher: $571,550 in the Austin metro, $563,500 across Dallas–Fort Worth, and $557,750 in the San Antonio metro.
- Travis County$571,550
- Dallas County$563,500
- Bexar County$557,750
- Harris County$541,287
- Tarrant County$541,287
FHA loans by Texas city
Local loan limits, typical prices, and tax and insurance context for the markets where we do the most FHA lending.