Huntsville FHA Loan Rates, Closing Costs & Stats

Huntsville, TX

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Loan Limits
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Huntsville's 33 lenders originated 116 FHA loans during 2024. The total origination value was $27,780,000, with an average FHA loan value of $239,483.

    Huntsville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Huntsville averaged 6.41% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Huntsville's average FHA mortgage closing costs are $8,682.

    The average rate for the prior week (2025-03-28) was 6.31% and one month ago for the week of 2025-02-28, the average rate was 6.29%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.36%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Huntsville FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Huntsville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 19 5.89% $6,811
    DHI MORTGAGE COMPANY, LTD. 17 4.87% $7,576
    UNITED WHOLESALE MORTGAGE, LLC 7 6.70% $9,505
    HOMETRUST MORTGAGE COMPANY 6 6.52% $12,855
    INSPIRE HOME LOANS INC. 6 5.44% $8,616
    CMG MORTGAGE, INC. 6 7.02% $12,535
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.97% $9,707
    QUICKEN LOANS, LLC 3 6.33% $11,569
    FREEDOM MORTGAGE CORPORATION 3 5.92% $12,274
    MOVEMENT MORTGAGE, LLC 3 6.04% $10,829
    Flagstar Bank, FSB 2 6.29% $12,376
    CORNERSTONE HOME LENDING, INC. 2 7.19% $8,552
    MID AMERICA MORTGAGE, INC. 2 6.50% $50,341
    NATIONS RELIABLE LENDING, LLC 2 6.25% $10,597
    PLAZA HOME MORTGAGE, INC. 2 6.19% $11,742
    SUMMIT FUNDING, INC. 2 6.81% $11,781
    UNION HOME MORTGAGE CORP. 1 7.75% $9,763
    HOMESIDE FINANCIAL, LLC 1 7.13% $21,920
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.25% $9,779
    Carrington Mortgage Services, LLC 1 6.13% $7,458
    COUNTRYPLACE MORTGAGE, LTD. 1 4.75% $15,221
    Encompass Lending Group, LP 1 7.63% $13,940
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.13% $7,848
    First United Bank and Trust Company 1 6.88% $9,505
    GUILD MORTGAGE COMPANY 1 6.63% $17,803
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.25% $11,729
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.00% $12,253
    LEGEND LENDING CORPORATION 1 6.50% $12,696
    LOANDEPOT.COM, LLC 1 7.25% $11,905
    LOANPAL, LLC 1 5.00% $13,845
    Network Funding, L.P. 1 6.50% $8,997
    SWBC MORTGAGE CORPORATION 1 5.75% $6,500
    T2 FINANCIAL LLC 1 6.75% $4,082

    The top Huntsville FHA lender as defined by loan originations is ARK-LA-TEX FINANCIAL SERVICES, LLC., with 19 FHA loans originated. Their average total fees are $6,811, which is $766 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Huntsville FHA lenders (with over 10 loans originated) are ARK-LA-TEX FINANCIAL SERVICES, LLC. ($6,811), DHI MORTGAGE COMPANY, LTD. ($7,576), .

    The lowest rate Huntsville FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.87%), ARK-LA-TEX FINANCIAL SERVICES, LLC. (5.89%), .

    Huntsville FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    HUNTSVILLE, TX WALKER 2022 $420,680 $538,650 $651,050 $809,150
    HUNTSVILLE, TX WALKER 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $214,250 (6.2%) $277,613 (7.7%) 0.00 111
    2018-02-01 $216,448 (10.2%) $273,930 (6.6%) 0.00 114
    2018-03-01 $220,000 (10.3%) $278,451 (1.2%) 0.00 104
    2018-04-01 $229,198 (6.6%) $279,353 (2.5%) 0.00 108
    2018-05-01 $233,718 (7.5%) $292,437 (8.4%) 0.00 121
    2018-06-01 $236,995 (10.7%) $285,237 (6.7%) 0.00 129
    2018-07-01 $217,725 (2.7%) $255,608 (-2.1%) 0.00 146
    2018-08-01 $213,550 (1.7%) $245,194 (-3.7%) 0.00 149
    2018-09-01 $215,000 (2.4%) $245,138 (-5.9%) 0.00 147
    2018-10-01 $216,425 (0.7%) $245,633 (-6.2%) 0.00 129
    2018-11-01 $215,150 (-1.5%) $247,620 (-7.4%) 0.00 133
    2018-12-01 $210,000 (-4.5%) $231,553 (-15.2%) 0.00 129
    2019-01-01 $214,925 (0.3%) $227,880 (-17.9%) 0.00 127
    2019-02-01 $213,775 (-1.2%) $247,041 (-9.8%) 0.00 139
    2019-03-01 $214,371 (-2.6%) $252,893 (-9.2%) 0.00 137
    2019-04-01 $222,125 (-3.1%) $266,550 (-4.6%) 0.00 138
    2019-05-01 $227,450 (-2.7%) $263,645 (-9.9%) 0.00 144
    2019-06-01 $229,400 (-3.2%) $264,082 (-7.4%) 0.00 139
    2019-07-01 $228,950 (5.2%) $259,565 (1.6%) 0.00 156
    2019-08-01 $222,909 (4.4%) $255,744 (4.3%) 0.00 161
    2019-09-01 $221,273 (2.9%) $255,258 (4.1%) 0.00 165
    2019-10-01 $222,682 (2.9%) $257,037 (4.6%) 0.00 169
    2019-11-01 $223,500 (3.9%) $261,502 (5.6%) 0.00 176
    2019-12-01 $220,000 (4.8%) $266,052 (14.9%) 0.00 181
    2020-01-01 $217,850 (1.4%) $267,995 (17.6%) 0.00 164
    2020-02-01 $214,405 (0.3%) $265,262 (7.4%) 0.00 166
    2020-03-01 $218,351 (1.9%) $256,829 (1.6%) 0.00 168
    2020-04-01 $220,750 (-0.6%) $267,494 (0.4%) 0.00 167
    2020-05-01 $230,000 (1.1%) $275,579 (4.5%) 0.00 171
    2020-06-01 $235,000 (2.4%) $280,112 (6.1%) 0.00 174
    2020-07-01 $224,975 (-1.7%) $280,097 (7.9%) 0.00 188
    2020-08-01 $224,950 (0.9%) $275,956 (7.9%) 0.00 196
    2020-09-01 $218,000 (-1.5%) $264,308 (3.6%) 0.00 192
    2020-10-01 $214,550 (-3.7%) $266,791 (3.8%) 0.00 153
    2020-11-01 $210,161 (-6.0%) $254,430 (-2.7%) 0.00 142
    2020-12-01 $208,625 (-5.2%) $250,567 (-5.8%) 0.00 134
    2021-01-01 $211,125 (-3.1%) $254,857 (-4.9%) 0.00 102
    2021-02-01 $218,475 (1.9%) $274,085 (3.3%) 0.00 91
    2021-03-01 $217,656 (-0.3%) $278,634 (8.5%) 0.00 70
    2021-04-01 $250,924 (13.7%) $299,996 (12.2%) 0.00 65
    2021-05-01 $239,900 (4.3%) $282,575 (2.5%) 0.00 61
    2021-06-01 $221,225 (-5.9%) $284,338 (1.5%) 0.00 64
    2021-07-01 $244,500 (8.7%) $285,753 (2.0%) 0.00 68
    2021-08-01 $237,450 (5.6%) $285,438 (3.4%) 0.00 65
    2021-09-01 $234,901 (7.8%) $276,180 (4.5%) 0.00 69
    2021-10-01 $247,450 (15.3%) $297,938 (11.7%) 0.00 76
    2021-11-01 $249,975 (18.9%) $338,489 (33.0%) 0.00 92
    2021-12-01 $253,993 (21.8%) $334,812 (33.6%) 0.00 93
    2022-01-01 $253,445 (20.0%) $336,240 (31.9%) 0.00 100
    2022-02-01 $249,900 (14.4%) $335,175 (22.3%) 0.00 97
    2022-03-01 $258,098 (18.6%) $342,105 (22.8%) 0.00 92
    2022-04-01 $259,900 (3.6%) $339,438 (13.2%) 0.00 98
    2022-05-01 $272,045 (13.4%) $347,077 (22.8%) 0.00 154
    2022-06-01 $271,945 (22.9%) $333,268 (17.2%) 0.00 194
    2022-07-01 $276,990 (13.3%) $339,157 (18.7%) 0.00 214
    2022-08-01 $275,245 (15.9%) $340,135 (19.2%) 0.00 187
    2022-09-01 $270,976 (15.4%) $326,935 (18.4%) 0.00 183
    2022-10-01 $267,650 (8.2%) $320,369 (7.5%) 0.00 194
    2022-11-01 $267,797 (7.1%) $329,678 (-2.6%) 0.00 183
    2022-12-01 $274,900 (8.2%) $323,393 (-3.4%) 0.00 160
    2023-01-01 $267,560 (5.6%) $327,171 (-2.7%) 0.00 154
    2023-02-01 $259,450 (3.8%) $321,774 (-4.0%) 0.00 165
    2023-03-01 $270,600 (4.8%) $343,973 (0.6%) 0.00 159
    2023-04-01 $281,700 (8.4%) $351,016 (3.4%) 0.00 148
    2023-05-01 $289,900 (6.6%) $357,717 (3.1%) 0.00 162
    2023-06-01 $293,450 (7.9%) $363,419 (9.1%) 0.00 178
    2023-07-01 $303,100 (9.4%) $399,278 (17.7%) 0.00 195
    2023-08-01 $300,000 (9.0%) $415,842 (22.3%) 0.00 205
    2023-09-01 $289,000 (6.7%) $378,137 (15.7%) 0.00 207
    2023-10-01 $285,250 (6.6%) $362,637 (13.2%) 0.00 218
    2023-11-01 $286,188 (6.9%) $370,084 (12.3%) 0.00 217
    2023-12-01 $290,000 (5.5%) $367,712 (13.7%) 0.00 195
    2024-01-01 $291,300 (8.9%) $365,804 (11.8%) 0.00 194
    2024-02-01 $287,000 (10.6%) $368,851 (14.6%) 0.00 184
    2024-03-01 $279,948 (3.5%) $366,592 (6.6%) 0.00 196
    2024-04-01 $279,900 (-0.6%) $374,593 (6.7%) 0.00 204
    2024-05-01 $279,948 (-3.4%) $387,773 (8.4%) 0.00 189
    2024-06-01 $269,900 (-8.0%) $375,859 (3.4%) 0.00 213
    2024-07-01 $274,729 (-9.4%) $380,939 (-4.6%) 0.00 217
    2024-08-01 $282,450 (-5.9%) $386,141 (-7.1%) 0.00 212
    2024-09-01 $299,000 (3.5%) $402,676 (6.5%) 0.00 230
    2024-10-01 $288,075 (1.0%) $393,566 (8.5%) 0.00 242
    2024-11-01 $285,000 (-0.4%) $378,955 (2.4%) 0.00 235
    2024-12-01 $284,600 (-1.9%) $371,732 (1.1%) 0.00 221
    2025-01-01 $285,950 (-1.8%) $364,674 (-0.3%) 0.00 217
    2025-02-01 $293,250 (2.2%) $369,484 (0.2%) 0.00 229
    2025-03-01 $308,750 (10.3%) $387,878 (5.8%) 0.00 235
    Huntsville's median listing price for 2025-03-01 was $308,750, a difference of $28,802 (10.3%) versus the prior year and $15,500 versus the prior month.

    Huntsville's median listing price comes in at 0% of the national average.

    Huntsville's average listing price for 2025-03-01 was $387,878, a difference of $21,286 (5.8%) versus the prior year and $18,394 versus the prior month.

    For the 2025-03-01 period, Huntsville had 235 MLS listings, a difference of 6 listings (3%) versus the prior month and 39 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,916 sqft
    2018-02-01 0 days 1,902 sqft
    2018-03-01 0 days 2,038 sqft
    2018-04-01 0 days 2,048 sqft
    2018-05-01 0 days 2,047 sqft
    2018-06-01 0 days 2,058 sqft
    2018-07-01 0 days 2,003 sqft
    2018-08-01 0 days 1,965 sqft
    2018-09-01 0 days 1,944 sqft
    2018-10-01 0 days 1,950 sqft
    2018-11-01 0 days 1,903 sqft
    2018-12-01 0 days 1,855 sqft
    2019-01-01 0 days 1,862 sqft
    2019-02-01 0 days 1,868 sqft
    2019-03-01 0 days 1,892 sqft
    2019-04-01 0 days 1,920 sqft
    2019-05-01 0 days 1,920 sqft
    2019-06-01 0 days 1,924 sqft
    2019-07-01 0 days 1,919 sqft
    2019-08-01 0 days 1,873 sqft
    2019-09-01 0 days 1,872 sqft
    2019-10-01 0 days 1,872 sqft
    2019-11-01 0 days 1,855 sqft
    2019-12-01 0 days 1,838 sqft
    2020-01-01 0 days 1,861 sqft
    2020-02-01 0 days 1,853 sqft
    2020-03-01 0 days 1,842 sqft
    2020-04-01 0 days 1,886 sqft
    2020-05-01 0 days 1,913 sqft
    2020-06-01 0 days 1,956 sqft
    2020-07-01 0 days 1,912 sqft
    2020-08-01 0 days 1,873 sqft
    2020-09-01 0 days 1,856 sqft
    2020-10-01 0 days 1,838 sqft
    2020-11-01 0 days 1,796 sqft
    2020-12-01 0 days 1,691 sqft
    2021-01-01 0 days 1,823 sqft
    2021-02-01 0 days 1,803 sqft
    2021-03-01 0 days 1,796 sqft
    2021-04-01 0 days 2,017 sqft
    2021-05-01 0 days 1,861 sqft
    2021-06-01 0 days 1,786 sqft
    2021-07-01 0 days 1,814 sqft
    2021-08-01 0 days 1,767 sqft
    2021-09-01 0 days 1,742 sqft
    2021-10-01 0 days 1,796 sqft
    2021-11-01 0 days 1,805 sqft
    2021-12-01 0 days 1,751 sqft
    2022-01-01 0 days 1,760 sqft
    2022-02-01 0 days 1,695 sqft
    2022-03-01 0 days 1,764 sqft
    2022-04-01 0 days 1,703 sqft
    2022-05-01 0 days 1,760 sqft
    2022-06-01 0 days 1,775 sqft
    2022-07-01 0 days 1,776 sqft
    2022-08-01 0 days 1,778 sqft
    2022-09-01 0 days 1,768 sqft
    2022-10-01 0 days 1,751 sqft
    2022-11-01 0 days 1,752 sqft
    2022-12-01 0 days 1,786 sqft
    2023-01-01 0 days 1,801 sqft
    2023-02-01 0 days 1,706 sqft
    2023-03-01 0 days 1,779 sqft
    2023-04-01 0 days 1,780 sqft
    2023-05-01 0 days 1,787 sqft
    2023-06-01 0 days 1,840 sqft
    2023-07-01 0 days 2,000 sqft
    2023-08-01 0 days 2,007 sqft
    2023-09-01 0 days 1,898 sqft
    2023-10-01 0 days 1,864 sqft
    2023-11-01 0 days 1,848 sqft
    2023-12-01 0 days 1,873 sqft
    2024-01-01 0 days 1,877 sqft
    2024-02-01 0 days 1,876 sqft
    2024-03-01 0 days 1,822 sqft
    2024-04-01 0 days 1,776 sqft
    2024-05-01 0 days 1,796 sqft
    2024-06-01 0 days 1,751 sqft
    2024-07-01 0 days 1,747 sqft
    2024-08-01 0 days 1,810 sqft
    2024-09-01 0 days 1,872 sqft
    2024-10-01 0 days 1,859 sqft
    2024-11-01 0 days 1,817 sqft
    2024-12-01 0 days 1,808 sqft
    2025-01-01 0 days 1,813 sqft
    2025-02-01 0 days 1,802 sqft
    2025-03-01 0 days 1,817 sqft
    Huntsville's median listing age (time on market) for 2025-03-01 was 0 days.

    Huntsville's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 1,822 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).