2026 Conforming Loan Limits in Texas

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2026 Conforming Loan Limits in Texas

The 2026 conforming loan limits in Texas determine the maximum original loan amount that generally qualifies for purchase by Fannie Mae or Freddie Mac.

For a one-unit property anywhere in Texas, the 2026 conforming loan limit is $832,750.

The limits are higher for properties containing two, three, or four legal residential units:

One unit: $832,750
Two units: $1,066,250
Three units: $1,288,800
Four units: $1,601,750

These limits apply to the mortgage amount—not the purchase price or appraised value.

A Texas buyer can purchase a home for more than $832,750 while remaining within the one-unit conforming limit if the down payment reduces the first mortgage to $832,750 or less.

Understanding the loan limit can help borrowers compare conventional and jumbo financing, choose an appropriate down payment, and avoid discovering late in the process that the intended loan requires a different underwriting strategy.

What Is a Conforming Loan?

A conforming loan is a conventional mortgage that meets the applicable requirements for acquisition by Fannie Mae or Freddie Mac.

The Federal Housing Finance Agency regulates Fannie Mae and Freddie Mac and establishes annual conforming loan limits.

FHFA describes the conforming loan limit as the maximum original balance for mortgages Fannie Mae and Freddie Mac may acquire. Loans above the applicable limit are commonly called jumbo loans. FHFA publishes the official conforming loan limits and county-level data here.

A conforming loan must satisfy more than the loan limit.

It must also meet applicable requirements involving:

Borrower credit
Income documentation
Employment
Debt-to-income ratio
Assets
Down payment
Mortgage reserves
Occupancy
Property type
Appraised value
Loan-to-value ratio
Mortgage insurance
Underwriting findings
Property eligibility

A mortgage does not become conforming merely because its balance is below $832,750.

The loan must also meet the applicable Fannie Mae or Freddie Mac eligibility requirements.

Our Mortgage Underwriting Explained and Mortgage Credit Requirements Explained guides explore the broader approval process.

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What Are the 2026 Conforming Loan Limits in Texas?

The 2026 baseline conforming loan limits in Texas are:

Property units	2026 Texas conforming loan limit
One-unit property	$832,750
Two-unit property	$1,066,250
Three-unit property	$1,288,800
Four-unit property	$1,601,750

FHFA increased the baseline one-unit limit from $806,500 in 2025 to $832,750 in 2026—an increase of $26,250.

The increase reflects a 3.26% rise in the average U.S. home value measured by FHFA between the third quarters of 2024 and 2025. FHFA announced the official 2026 limits on November 25, 2025.

Fannie Mae and Freddie Mac publish the same baseline limits for eligible one-to-four-unit properties. Fannie Mae’s 2026 loan-limit table confirms the amounts for each property type.

Do All Texas Counties Have the Same Conforming Loan Limit?

Yes. For 2026, every Texas county uses the national baseline conforming loan limits.

Texas does not contain any FHFA-designated high-cost counties for 2026.

That means the same one-unit limit of $832,750 applies whether the property is located in:

Bexar County
Kendall County
Comal County
Travis County
Williamson County
Harris County
Dallas County
Tarrant County
Collin County
Denton County
Fort Bend County
Montgomery County
El Paso County
Any other Texas county

The unit count still matters. A legal duplex, triplex, or fourplex receives a higher limit than a one-unit property.

Buyers can verify any county through the official FHFA county loan-limit list.

What Is the 2026 Conforming Loan Limit in San Antonio?

The 2026 one-unit conforming loan limit in San Antonio and Bexar County is $832,750.

The full limits are:

One unit: $832,750
Two units: $1,066,250
Three units: $1,288,800
Four units: $1,601,750

The same limits apply in surrounding Texas counties, including Kendall, Comal, Guadalupe, Medina, Wilson, Atascosa, and Bandera counties.

A San Antonio-area borrower seeking a one-unit first mortgage above $832,750 would ordinarily need jumbo financing or another structure that keeps the conforming first mortgage at or below the limit.

Is the Conforming Loan Limit Based on the Purchase Price?

No.

The conforming loan limit applies to the original mortgage amount.

It does not directly limit:

The purchase price
The appraised value
The borrower’s down payment
The amount of equity in the property
The combined value of the property and improvements

Consider a buyer purchasing a one-unit Texas home for $1,000,000.

If the borrower makes a $200,000 down payment, the proposed mortgage would be $800,000.

Because the mortgage amount is below the 2026 one-unit conforming limit of $832,750, it may be eligible for conforming financing if the borrower and property satisfy all other requirements.

The $1,000,000 purchase price does not automatically make it a jumbo loan.

The original first-mortgage amount determines whether the loan exceeds the conforming limit.

Examples of Conforming Loan Limits in Texas

The following examples demonstrate how purchase price, down payment, and loan amount interact.

Example: $800,000 Home With 10% Down

Purchase price: $800,000

Down payment: $80,000

Base loan amount: $720,000

Because the base mortgage is below $832,750, the loan amount is within the 2026 one-unit conforming limit.

The borrower must still qualify under the applicable conventional underwriting requirements.

Example: $900,000 Home With $100,000 Down

Purchase price: $900,000

Down payment: $100,000

Base loan amount: $800,000

The $800,000 mortgage remains below the one-unit conforming limit.

Even though the purchase price is $900,000, the transaction may still use conforming financing.

Example: $900,000 Home With 10% Down

Purchase price: $900,000

Down payment: $90,000

Base loan amount: $810,000

The loan remains within the $832,750 conforming limit.

Because the loan-to-value ratio is 90%, the borrower may need private mortgage insurance unless an eligible alternative structure is used.

See Mortgage Insurance Explained for details.

Example: $950,000 Home With 10% Down

Purchase price: $950,000

Down payment: $95,000

Base loan amount: $855,000

The proposed mortgage exceeds the 2026 conforming limit by $22,250.

The borrower could consider:

Increasing the down payment
Using jumbo financing
Evaluating eligible subordinate financing
Negotiating the purchase price
Comparing another loan structure

Increasing the down payment to at least $117,250 would reduce the first mortgage to $832,750.

However, the most financially appropriate strategy is not always the one that forces the mortgage below the conforming threshold.

Jumbo financing may sometimes offer competitive pricing or provide a better liquidity strategy.

Example: $1,100,000 Home With a $267,250 Down Payment

Purchase price: $1,100,000

Down payment: $267,250

Base loan amount: $832,750

The mortgage is exactly at the one-unit conforming limit.

Assuming the borrower and property meet all other requirements, the loan amount may be eligible for conforming financing.

What Happens If the Mortgage Exceeds $832,750?

For a one-unit Texas property, a first mortgage above $832,750 generally exceeds the 2026 conforming loan limit.

The mortgage would ordinarily be considered a jumbo loan.

Jumbo mortgages are conventional loans, but they are not conforming loans acquired under the standard Fannie Mae or Freddie Mac loan limits.

Because jumbo lenders retain the loan, sell it to private investors, or use a different secondary-market structure, underwriting requirements can vary significantly.

A jumbo loan may require:

Higher credit scores
Larger down payments
More mortgage reserves
Lower debt-to-income ratios
Additional appraisal review
Two appraisals in certain situations
More detailed asset documentation
Stricter income calculations
Additional self-employment documentation
Post-closing liquidity
Restrictions on property type
More conservative treatment of variable income

Those are not universal requirements. Jumbo programs vary by lender and borrower profile.

High-income borrowers, physicians, executives, business owners, and high-net-worth families may have access to jumbo programs designed around complex income or asset structures.

Related planning resources include Jumbo Mortgage Guide, Mortgage Planning for Executives in Texas, and Mortgage Planning for High-Net-Worth Families in Texas.

Is a Jumbo Loan Always More Expensive?

No.

A jumbo loan is not automatically more expensive than a conforming loan.

Pricing depends on:

Market conditions
Credit score
Loan-to-value ratio
Occupancy
Property type
Loan amount
Mortgage reserves
Debt-to-income ratio
Fixed versus adjustable rate
Points and lender credits
Investor pricing
Relationship-banking options
Whether mortgage insurance applies

At times, jumbo rates may be competitive with conforming rates.

In other markets or borrower scenarios, jumbo financing may have higher rates, greater reserve requirements, or stricter underwriting.

A borrower near the conforming limit should compare the complete structures rather than assuming one category is always better.

That comparison should include:

Interest rate
Annual percentage rate
Discount points
Lender credits
Mortgage insurance
Down payment
Closing costs
Reserve requirements
Long-term liquidity
Qualification certainty

Our APR vs. Interest Rate and Why Two Borrowers Receive Different Mortgage Rates guides explain why the advertised rate alone does not tell the full story.

Conforming Loan vs. Conventional Loan

These terms are related but not interchangeable.

A conventional loan is a mortgage that is not insured or guaranteed by a federal government agency such as FHA, VA, or USDA.

Conventional mortgages include:

Conforming loans
Jumbo loans
Some bank portfolio loans
Certain non-QM loans
Other privately funded mortgage products

A conforming loan is a specific type of conventional loan that meets the applicable Fannie Mae or Freddie Mac standards, including the conforming loan limit.

Therefore:

Every conforming loan is conventional.
Not every conventional loan is conforming.

A $700,000 Fannie Mae-eligible mortgage may be conventional and conforming.

A $1,000,000 jumbo mortgage may be conventional but nonconforming.

Conforming Loan vs. Jumbo Loan

The primary difference is whether the original loan amount falls within the applicable FHFA limit and meets agency eligibility requirements.

Feature	Conforming loan	Jumbo loan
One-unit Texas limit for 2026	Up to $832,750	Generally above $832,750
Secondary market	Fannie Mae or Freddie Mac eligibility	Private investor or portfolio market
Guidelines	More standardized	Vary by lender and investor
Reserve requirements	Program-dependent	Often higher
Appraisal requirements	Standard agency requirements	May require additional review
Income treatment	Agency guidelines	Investor-specific guidelines
Pricing	Market-dependent	Market-dependent
Mortgage insurance	May apply above 80% LTV	Program-dependent

The loan limit is only the starting point.

A borrower should compare actual approval requirements and pricing for the specific transaction.

Conforming Loan Limits for Two-to-Four-Unit Properties

FHFA provides higher conforming loan limits for properties with two, three, or four legal residential units.

For 2026 in Texas:

Duplex: $1,066,250
Triplex: $1,288,800
Fourplex: $1,601,750

These limits recognize that multi-unit properties generally have higher values and may generate rental income.

The property must actually qualify as the stated number of legal residential units.

A detached guest house, converted garage, accessory dwelling unit, or additional living area does not automatically make a property a duplex.

The lender and appraiser may evaluate:

Zoning
Legal use
Separate kitchens
Independent living facilities
Utility configuration
Property access
Building permits
Market acceptance
Appraisal classification
Whether the additional unit is legally rentable

Our Two-to-Four-Unit Property Mortgage Guide and Buying a Home With an Accessory Dwelling Unit explain those distinctions.

Does Occupancy Change the Conforming Loan Limit?

Generally, the number of legal units determines the applicable conforming loan limit—not whether the property is a primary residence, second home, or investment property.

However, occupancy can change other qualification requirements, including:

Maximum loan-to-value ratio
Minimum down payment
Mortgage reserve requirements
Pricing adjustments
Rental-income treatment
Mortgage insurance
Underwriting risk assessment

A four-unit primary residence and a four-unit investment property may share the same general conforming loan limit, but they will not necessarily share the same down-payment, pricing, or underwriting requirements.

Can Rental Income Help Qualify for a Multi-Unit Property?

Potentially.

A borrower purchasing a two-to-four-unit property may be able to use eligible rental income from the other units when qualifying.

The amount that can be used depends on:

The appraisal’s market-rent analysis
Existing leases
Current occupancy
Tax-return history
Property-management expenses
Vacancy factors
Loan program
Borrower housing history
Whether the property is a primary residence or investment property

The lender generally does not use 100% of projected gross rent as qualifying income.

Our Using a New Lease to Qualify for a Mortgage and Rental Income From a Property With No Prior Rental History guides explain how rental income may be calculated.

Does the Conforming Loan Limit Include Financed Mortgage Insurance?

This can depend on how the loan program defines and calculates the original loan amount.

For standard conventional financing, borrower-paid monthly mortgage insurance is not added to the principal balance.

Certain financed mortgage-insurance structures may affect the final loan amount and must remain within the applicable conforming limit.

The lender should calculate the complete loan structure before the borrower commits to a down payment based only on an informal estimate.

Does the Conforming Loan Limit Include a Second Mortgage?

The conforming loan limit generally applies to the original principal balance of the first mortgage being delivered to Fannie Mae or Freddie Mac.

However, subordinate financing affects the combined loan-to-value ratio and must satisfy applicable eligibility requirements.

For example, a borrower might structure a purchase using:

A conforming first mortgage
A home equity line of credit
A closed-end second mortgage
Down-payment-assistance financing
Another eligible subordinate lien

Keeping the first mortgage at or below $832,750 does not automatically make the entire transaction eligible.

The lender must evaluate:

Combined loan-to-value ratio
Subordinate-financing terms
Monthly payments
Balloon provisions
Source of funds
Debt-to-income ratio
Occupancy
Investor requirements

The borrower should also compare the blended cost of both loans with a single jumbo mortgage.

Two loans can create:

Two sets of lender fees
A variable second-lien rate
A higher combined monthly payment
Additional underwriting requirements
More complex future refinancing

Is an $832,750 Mortgage Automatically Approved?

No.

The conforming loan limit is not an approval amount.

A borrower must still qualify based on:

Stable and acceptable income
Employment history
Credit profile
Monthly obligations
Debt-to-income ratio
Down payment
Closing funds
Mortgage reserves
Occupancy
Property value
Property eligibility
Automated or manual underwriting
Loan-specific requirements

A borrower may qualify for less than the conforming limit.

Conversely, a highly qualified borrower may qualify for substantially more through jumbo financing.

The limit determines the maximum mortgage size for the conforming category—not the maximum mortgage a particular borrower can afford or obtain.

See How Much House Should High-Income Borrowers Really Buy? and Can We Afford This Home and Still Live Comfortably? for the difference between qualification and financial comfort.

How Does the Appraisal Affect the Loan Amount?

The conforming loan limit does not override appraisal requirements.

For a purchase transaction, the lender generally calculates the loan-to-value ratio using the lower of:

The purchase price
The appraised value

Suppose a buyer agrees to purchase a home for $900,000 and plans to borrow $810,000.

If the property appraises for $850,000, the lender may calculate the loan-to-value ratio using the lower appraised value.

The borrower may need to:

Increase the down payment
Reduce the loan amount
Renegotiate the sales price
Challenge the appraisal through a reconsideration of value
Restructure the financing
Terminate if permitted by the contract

The fact that $810,000 is below the conforming limit does not guarantee that the borrower can finance that amount against a lower appraised value.

Our Reconsideration of Value: Challenging a Low Appraisal and What Happens When an Appraisal Causes the Maximum LTV to Change? guides address these situations.

How Are Conforming Loan Limits Set?

The Housing and Economic Recovery Act requires FHFA to adjust the national baseline conforming loan limit based on changes in average U.S. home prices.

FHFA uses its House Price Index in the annual calculation.

For 2026:

The 2025 one-unit baseline limit was $806,500.
FHFA measured a 3.26% annual increase in its applicable home-price data.
The 2026 one-unit baseline increased to $832,750.

Loan limits can increase, remain unchanged, or vary by area depending on the statutory calculation.

FHFA generally announces the following year’s limits near the end of the current year.

Because the limits change over time, borrowers should verify the limit applicable to the year and property involved rather than relying on an older article or mortgage calculator.

What Are High-Balance Conforming Loans?

A high-balance conforming loan is a Fannie Mae- or Freddie Mac-eligible mortgage above the national baseline limit but within the higher limit established for a designated high-cost area.

For 2026, the maximum one-unit high-cost ceiling in most eligible parts of the contiguous United States is $1,249,125.

However, Texas has no designated FHFA high-cost counties in 2026.

Therefore, Texas borrowers generally cannot use the high-balance conforming limit simply because the property is expensive or located in a high-priced neighborhood.

A luxury home in Austin, Dallas, Houston, San Antonio, or another Texas market still uses the Texas baseline one-unit conforming limit of $832,750.

A loan above that amount generally requires jumbo or another nonconforming structure.

Are FHA Loan Limits the Same as Conforming Loan Limits?

No.

FHA loan limits and FHFA conforming loan limits are separate.

FHFA establishes conforming limits for mortgages eligible for purchase by Fannie Mae and Freddie Mac.

The Department of Housing and Urban Development establishes FHA loan limits for mortgages insured by the Federal Housing Administration.

FHA limits:

Vary by county
Use a separate calculation
May be lower than the conforming limit
Include different limits for one-to-four-unit properties
Apply to FHA-insured mortgages

A conventional loan within the $832,750 Texas conforming limit may still exceed the applicable FHA loan limit.

Borrowers should not use the terms “FHA limit” and “conforming limit” interchangeably.

Are VA Loans Subject to Conforming Loan Limits?

Not in the same way as conventional conforming loans.

Eligible veterans with full VA entitlement do not have a VA-imposed maximum loan amount solely because of the county conforming limit. The borrower must still qualify, and the property value must support the transaction.

The Department of Veterans Affairs explains that borrowers with full entitlement generally do not have a VA loan limit, although lender approval, affordability, and appraised value still control the mortgage amount. VA provides its current entitlement and loan-limit explanation here.

County loan limits can still matter for veterans with remaining entitlement already tied up in another VA loan.

Lenders may also impose their own maximum loan amounts or underwriting requirements.

A high-balance VA loan should therefore be analyzed using:

Available entitlement
Purchase price
Appraised value
Down payment
Residual income
Debt-to-income ratio
Lender requirements
Occupancy
Property eligibility

Our VA Jumbo Loan Texas guide explains how larger VA loans may be structured.

Can a Physician Loan Exceed the Conforming Limit?

Yes.

Physician mortgage programs may provide financing above the conforming loan limit.

These programs may offer:

Reduced down-payment requirements
No monthly mortgage insurance
Flexible treatment of student loans
Alternative employment-start provisions
Higher maximum loan amounts
Specialized underwriting for physicians and dentists

A physician mortgage above $832,750 is not automatically conforming merely because it is called a physician loan.

It may be:

A jumbo mortgage
A bank portfolio loan
A privately funded conventional loan
Another specialized product

The program’s individual terms determine how it is classified and underwritten.

Should You Make a Larger Down Payment to Stay Conforming?

Sometimes—but not automatically.

Increasing the down payment to remain at or below the conforming limit may offer benefits such as:

Access to agency underwriting
More standardized guidelines
Potentially broader lender availability
Different reserve requirements
Different mortgage-insurance options
Easier future servicing or refinancing comparisons

However, using additional cash can also reduce:

Emergency reserves
Investment liquidity
Renovation funds
Business capital
Financial flexibility

A jumbo loan with a smaller down payment may be more appropriate for some borrowers, while a conforming loan with a larger down payment may be stronger for others.

The comparison should consider:

Rate and APR
Monthly payment
Mortgage insurance
Cash remaining after closing
Required reserves
Expected ownership period
Investment opportunities
Future refinance plans
Income stability
Risk tolerance

Can Investment Assets Help a Borrower Stay Within the Limit?

A borrower may sell investments to increase the down payment and reduce the mortgage to the conforming limit.

Eligible assets may include:

Stocks
Bonds
Mutual funds
Exchange-traded funds
Vested equity compensation
Certain retirement funds
Trust distributions
Other documented investments

The lender may need to document:

Ownership
Current value
Liquidation
Settlement of the sale
Transfer into the closing account
Tax or penalty considerations
Funds remaining after closing

A borrower should not liquidate a major investment position solely to reach the conforming limit without comparing the financial and tax consequences.

Our Using Stocks and Investment Accounts for a Down Payment and Selling Assets for a Down Payment guides explain the documentation process.

Why Loan Limits Matter Before Making an Offer

A buyer near the conforming threshold should identify the intended financing structure before signing a purchase contract.

Otherwise, the buyer may discover that:

The planned loan amount is jumbo.
A larger down payment is required.
The jumbo reserve requirement is higher.
The current lender does not offer the needed product.
The property type is not eligible.
The rate or fees differ from the initial estimate.
A second appraisal is required.
Variable income is calculated differently.
The closing timeline must be extended.

A strong preapproval should account for:

Target purchase price
Expected down payment
Estimated closing costs
Conforming versus jumbo classification
Property type
Occupancy
Income complexity
Reserve requirements
Appraisal risk

Our Mortgage Prequalification vs. Preapproval guide explains why a properly reviewed preapproval matters.

Real Scenario: The Purchase Price Was Jumbo but the Loan Was Conforming

A Texas buyer agreed to purchase a $1,000,000 primary residence.

The buyer initially assumed any million-dollar home required a jumbo mortgage.

With a $200,000 down payment, the proposed loan was $800,000—below the 2026 one-unit conforming limit.

The borrower was able to compare a conforming structure with multiple jumbo alternatives before choosing the most appropriate option.

The property price did not determine the classification.

The original mortgage amount did.

Real Scenario: A Small Down-Payment Change Avoided Jumbo Underwriting

A borrower planned to purchase a $900,000 home with a $850,000 mortgage.

The proposed loan exceeded the 2026 conforming limit by $17,250.

The borrower had sufficient documented assets and elected to increase the down payment by $17,250, reducing the mortgage to $832,750.

That decision allowed the loan to remain within the conforming limit.

However, the strategy made sense only because the borrower still had adequate reserves after closing.

For a borrower with limited liquidity, using every available dollar to avoid a jumbo classification could create a weaker financial position.

Real Scenario: The Duplex Used the Wrong Loan Limit

A buyer planned to occupy one unit of a legal Texas duplex and rent the other.

The buyer initially evaluated the transaction using the $832,750 one-unit limit.

Because the property was legally classified and appraised as a two-unit property, the applicable 2026 baseline limit was $1,066,250.

The higher limit allowed the buyer to consider conforming financing for a loan amount that would have been jumbo on a one-unit property.

The higher limit did not remove the other two-unit underwriting, occupancy, appraisal, and rental-income requirements.

Real Scenario: An ADU Did Not Create a Two-Unit Limit

A buyer purchased a single-family home with a detached accessory dwelling unit.

The buyer assumed the property qualified for the $1,066,250 two-unit limit.

After reviewing the zoning, appraisal, and property configuration, the home was treated as a one-unit property with an accessory unit—not a legal duplex.

The applicable conforming limit remained $832,750.

Unit classification should be confirmed through the appraisal and underwriting process rather than assumed from the number of structures or kitchens.

Common Misconceptions

“The Conforming Limit Is the Maximum Home Price.”

The limit applies to the original mortgage amount, not the purchase price.

“Every Texas County Has a Different Conforming Limit.”

All Texas counties use the same baseline conforming limits for 2026.

“A Loan Below $832,750 Is Automatically Conforming.”

The mortgage must also satisfy applicable Fannie Mae or Freddie Mac eligibility requirements.

“Any Mortgage Above $832,750 Is a Bad Loan.”

A jumbo mortgage is a different category—not an inherently inferior mortgage.

“Jumbo Rates Are Always Higher.”

Pricing changes with market conditions and borrower characteristics. Jumbo rates can sometimes be competitive.

“Conventional and Conforming Mean the Same Thing.”

Conforming loans are conventional, but jumbo and other non-agency loans can also be conventional.

“VA Borrowers Cannot Exceed the Conforming Limit.”

Eligible borrowers with full VA entitlement are not subject to a VA-imposed maximum based solely on the county conforming limit, although qualification and appraisal requirements still apply.

“A Guest House Automatically Makes the Property a Duplex.”

The lender and appraiser must determine the property’s legal and functional unit count.

Real Lender Perspective

The conforming loan limit should be treated as a planning threshold—not a target and not an affordability guideline.

When a borrower’s proposed mortgage is near $832,750, we compare both sides of the threshold.

That analysis may include:

Conforming pricing
Jumbo pricing
Down-payment differences
Mortgage insurance
Reserve requirements
Income treatment
Appraisal requirements
Cash remaining after closing
Long-term financial goals

Sometimes increasing the down payment by a modest amount creates a substantially cleaner conforming structure.

Other times, preserving liquidity through a jumbo mortgage is the stronger financial decision.

The objective is not to force every loan into the conforming category.

It is to understand the available categories and build the mortgage around the borrower’s complete financial position.

Who This Guide Is For

This guide may be especially helpful for:

Texas homebuyers
San Antonio homebuyers
Austin, Dallas, Fort Worth, and Houston buyers
Luxury-home buyers
Jumbo borrowers
Physicians
Executives
Business owners
Self-employed borrowers
High-net-worth families
Duplex, triplex, and fourplex buyers
Real estate investors
Buyers deciding how much to put down
Borrowers comparing conforming and jumbo mortgages

Final Thoughts

The 2026 conforming loan limits in Texas are:

$832,750 for a one-unit property
$1,066,250 for a two-unit property
$1,288,800 for a three-unit property
$1,601,750 for a four-unit property

Every Texas county uses these baseline limits for 2026.

The limit applies to the original mortgage amount—not the home’s purchase price.

A property can cost more than $832,750 and still use a conforming one-unit mortgage if the down payment reduces the loan amount to the limit or below.

A loan exceeding the applicable limit generally requires jumbo or another nonconforming financing structure.

Neither option is automatically better.

The strongest strategy compares loan pricing, cash requirements, mortgage insurance, reserves, income treatment, property eligibility, and long-term liquidity before selecting the final structure.