Texas FHA Loan Rates, Closing Costs & Stats

Texas

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.

Texas FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Texas averaged 6.17% for the week of 2023-01-27, compared to the national average (all FHA variants) of 6.186% for the same period.

Texas's average FHA mortgage closing costs are $7,961.

The average rate for the prior week (2023-01-20) was 6.04% and one month ago for the week of 2022-12-23, the average rate was 6.23%.

The average rate one year ago was 3.72%.

For refis of the same type during the week of 2023-01-27, the average rate was 5.88%.

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

Texas 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 Texas level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
DHI MORTGAGE COMPANY, LTD. 6,013 2.93% $8,456
QUICKEN LOANS, LLC 5,547 2.71% $6,426
LAKEVIEW LOAN SERVICING, LLC 3,926 3.03% $5,471
FREEDOM MORTGAGE CORPORATION 3,654 2.89% $6,356
AMCAP MORTGAGE, LTD. 3,542 3.49% $10,300
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3,401 3.44% $8,887
LOANDEPOT.COM, LLC 3,030 3.43% $9,574
Mr. Cooper ( Nationstar Mortgage ) 2,851 3.29% $4,283
Gateway First Bank 2,755 3.51% $7,644
CALIBER HOME LOANS, INC. 2,586 2.94% $7,519
Lakeview Community Capital, LLC 2,553 3.05% $5,318
GUILD MORTGAGE COMPANY 2,481 3.28% $9,570
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2,137 3.23% $9,517
EAGLE HOME MORTGAGE, LLC 2,048 3.23% $8,647
PENNYMAC LOAN SERVICES, LLC 1,925 3.12% $5,574
UNITED WHOLESALE MORTGAGE, LLC 1,811 2.78% $8,645
CORNERSTONE HOME LENDING, INC. 1,630 3.32% $10,234
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1,624 3.27% $7,267
PRIMELENDING, A PLAINSCAPITAL COMPANY 1,595 3.49% $9,585
NATIONS RELIABLE LENDING, LLC 1,439 3.54% $10,380
SFMC, LP 1,399 3.38% $10,733
INTERLINC MORTGAGE SERVICES, LLC 1,261 3.47% $8,768
AmeriHome Mortgage Company, LLC 1,202 2.92% $5,005
PULTE MORTGAGE LLC 1,189 3.15% $5,750
VILLAGE CAPITAL MORTGAGE 1,189 2.95% $2,508
Town Square Mortgage & Investments, Inc. 1,173 3.35% $8,561
CROSSCOUNTRY MORTGAGE, LLC 1,165 3.25% $10,475
MORTGAGE FINANCIAL SERVICES, LLC 1,156 3.07% $8,772
CMG MORTGAGE, INC. 1,084 3.07% $10,375
MOVEMENT MORTGAGE, LLC 1,074 3.39% $8,568
GUARANTEED RATE, INC. 1,068 3.10% $9,657
MID AMERICA MORTGAGE, INC. 1,012 3.29% $5,502
SECURITYNATIONAL MORTGAGE COMPANY 919 3.35% $9,610
KBHS HOME LOANS, LLC 868 3.41% $10,429
NEWREZ LLC 834 2.94% $5,568
PLANET HOME LENDING, LLC 820 2.95% $6,576
HOMEBRIDGE FINANCIAL SERVICES, INC. 783 2.95% $8,062
THRIVE MORTGAGE, LLC 779 3.21% $10,583
EVERETT FINANCIAL, INC. 773 3.79% $7,632
WILLOW BEND MORTGAGE COMPANY, LLC 757 3.12% $10,317
Paramount Residential Mortgage Group, Inc. 733 3.24% $10,496
Commerce Home Mortgage, Inc. 708 3.06% $8,177
Wallick & Volk, Inc. 664 3.38% $7,327
BROKER SOLUTIONS, INC. 633 3.08% $8,054
SOUTHWEST FUNDING, LP 629 3.52% $14,470
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 617 3.34% $9,808
SWBC MORTGAGE CORPORATION 601 3.36% $7,274
Network Funding, L.P. 593 3.19% $9,178
PRIMARY RESIDENTIAL MORTGAGE, INC. 580 3.59% $9,500
HOME POINT FINANCIAL CORPORATION 567 2.81% $8,248
PLAZA HOME MORTGAGE, INC. 559 2.93% $8,734
HOMESIDE FINANCIAL, LLC 557 3.17% $10,750
VELOCIO MORTGAGE L.L.C. 550 3.16% $12,579
Carrington Mortgage Services, LLC 484 3.57% $8,782
Flagstar Bank, FSB 481 2.75% $7,934
DIRECTIONS EQUITY, LLC 472 3.30% $7,646
Republic State Mortgage Co. 467 3.09% $8,940
AMERICAN FINANCIAL NETWORK, INC. 466 3.23% $14,061
First National Bank Texas 465 3.04% $7,875
EUSTIS AND AMERICAN MORTGAGE COMPANY 464 3.10% $9,019
ACADEMY MORTGAGE CORPORATION 452 3.25% $10,283
Nations Lending Corporation 428 3.17% $8,064
AMERICAN PACIFIC MORTGAGE CORPORATION 422 3.07% $8,603
S1L, Inc. 408 3.45% $9,689
FBC MORTGAGE, LLC 403 3.20% $8,685
City Bank 401 3.13% $7,996
M/I FINANCIAL, LLC 388 2.97% $9,967
First Guaranty Mortgage Corporation 380 2.98% $6,375
LEADERONE FINANCIAL CORPORATION 377 3.32% $8,583
SUN WEST MORTGAGE COMPANY, INC. 361 3.22% $8,554
Rocky Mountain Mortgage Company 358 3.16% $4,545
First Bank & Trust 346 3.28% $7,404
CERTAINTY HOME LOANS, LLC 329 3.39% $8,413
First United Bank and Trust Company 328 3.21% $9,380
HOMETRUST MORTGAGE COMPANY 328 3.24% $8,505
OPEN MORTGAGE, LLC 298 3.11% $8,672
INSPIRE HOME LOANS INC. 292 3.34% $9,369
CLM MORTGAGE, INC 284 3.11% $11,089
Amarillo National Bank 275 2.80% $6,445
CHERRY CREEK MORTGAGE, LLC 274 3.22% $4,756
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 264 3.07% $9,343
AMERISAVE MORTGAGE CORPORATION 264 2.96% $8,975
GREAT WESTERN FINANCIAL SERVICES, INC. 259 3.18% $9,304
Equity Prime Mortgage LLC 250 3.30% $9,959
V.I.P. MORTGAGE, INC. 248 3.18% $9,388
PILGRIM MORTGAGE LLC 248 3.30% $9,579
FINANCE OF AMERICA MORTGAGE LLC 241 3.19% $8,138
BancorpSouth Bank 241 3.14% $7,996
Hometown Lenders, Inc. 240 3.43% $9,548
DAS Acquisition Company, LLC 237 3.34% $11,375
ASPIRE FINANCIAL, INC. 234 2.59% $9,442
PANORAMA MORTGAGE GROUP, LLC 230 3.46% $9,096
Amerifirst Financial, Inc. 229 3.27% $7,915
CADENCE LENDING GROUP, INC. 228 3.08% $8,063
Trinity Oaks Mortgage, LLC 219 3.37% $11,318
CITY FIRST MORTGAGE SERVICES, L.L.C. 218 3.37% $10,241
TEXAS TECH 214 3.04% $7,153
InterContinental Capital Group, Inc 208 2.66% $8,268
UNION HOME MORTGAGE CORP. 204 3.21% $8,513
First Financial Bank 201 3.22% $7,255
SENTE MORTGAGE, INC. 195 3.40% $9,669
AMERICA'S CHOICE HOME LOANS LP 192 3.15% $9,154
INFINITY MORTGAGE HOLDINGS, LLC 187 3.29% $9,179
Southwest Bank 185 3.22% $8,124
ADVISA MORTGAGE SERVICES, LTD. 183 3.31% $8,654
Citizens Bank 177 2.83% $8,658
Goldwater Bank, N.A. 177 3.29% $9,723
OCEANSIDE MORTGAGE COMPANY 170 2.79% $3,161
CALCON MUTUAL MORTGAGE LLC 166 3.90% $9,088
PATRIOT MORTGAGE COMPANY 164 2.97% $9,219
Independent Bank 163 3.38% $9,554
ENVOY MORTGAGE, LTD 161 3.32% $9,530
BROOKHOLLOW MORTGAGE SERVICES, LTD 160 3.14% $12,948
ANGEL OAK HOME LOANS LLC 158 3.09% $10,109
NATIONS DIRECT MORTGAGE, LLC 157 3.04% $9,281
Happy State Bank 157 2.94% $6,970
SUMMIT FUNDING, INC. 153 3.48% $11,112
Loan Simple, Inc. 151 3.62% $9,593
VAN DYK MORTGAGE CORPORATION 150 3.21% $7,233
LHM FINANCIAL CORPORATION 149 3.13% $9,562
GENEVA FINANCIAL, LLC 149 3.22% $10,140
HAMILTON HOME LOANS, INC. 145 3.24% $8,379
South Pacific Financial Corporation 143 2.64% $11,414
SOUTHWEST STAGE FUNDING, LLC 140 3.22% $5,400
Waterstone Mortgage Corporation 137 3.56% $8,873
T2 FINANCIAL LLC 132 3.52% $9,311
CRESTMARK MORTGAGE COMPANY, LTD. 132 3.10% $15,357
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 128 3.48% $10,018
BECKAM FUNDING CORP. 127 3.62% $15,141
UNIVERSITY Federal Credit Union 126 2.71% $9,314
Bank of America 125 2.88% $5,677
GUARANTEED RATE AFFINITY, LLC 121 2.92% $9,093
Hometown Equity Mortgage, LLC 119 3.78% $10,702
LOANPAL, LLC 118 2.67% $9,503
KELLER MORTGAGE, LLC 116 2.77% $8,194
First Bank 115 3.25% $9,634
Bank of England 115 3.35% $10,866
First National Bank 114 3.27% $7,918
Prosperity Home Mortgage, LLC 106 3.49% $9,865
LEGEND LENDING CORPORATION 106 3.16% $6,751
BOKF 105 3.22% $8,633
ASSOCIATED MORTGAGE CORPORATION 102 3.03% $7,136
HANCOCK MORTGAGE PARTNERS, LLC 95 3.28% $10,627
CHURCHILL MORTGAGE CORPORATION 93 3.19% $9,176
Austin Capital Bank SSB 93 3.23% $10,208
MORTGAGE SOLUTIONS OF COLORADO, LLC 91 3.43% $10,432
Texas Bank Financial 87 3.46% $8,853
NTFN, INC. 87 2.94% $8,606
TOWNE MORTGAGE COMPANY 85 3.16% $9,007
FIRST CENTENNIAL MORTGAGE CORPORATION 83 3.05% $9,292
CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P. 80 3.31% $10,895
Sunflower Bank 79 3.14% $8,820
JPMorgan Chase Bank 79 2.95% $6,301
INTEGRITY MORTGAGE CORPORATION OF TEXAS 77 2.92% $9,292
Mortgage Research Center, LLC 74 3.06% $7,922
PRIORITY HOME MORTGAGE, L.P. 72 3.20% $9,032
STEARNS LENDING, LLC 71 2.89% $9,011
DRAPER AND KRAMER MORTGAGE CORP. 70 3.48% $8,791
GIBRALTAR MORTGAGE SERVICES, LLC 70 3.23% $9,175
MICHIGAN MUTUAL, INC. 70 3.45% $11,251
Northpointe Bank 69 3.25% $9,750
MUTUAL OF OMAHA MORTGAGE, INC. 67 2.94% $8,914
FIRST CONTINENTAL MORTGAGE, LTD. 67 3.13% $7,334
LRS FINANCIAL NETWORK, INC. 67 2.57% $8,315
AMERICAN FINANCIAL RESOURCES, INC. 67 3.77% $9,812
First Home Bank 64 3.44% $9,359
COUNTRYPLACE MORTGAGE, LTD. 64 3.11% $15,448
AMERICAN FINANCING CORPORATION 64 2.94% $8,586
HOME FINANCING UNLIMITED, INC. 63 3.07% $11,279
Assurance Financial Group, L.L.C. 62 3.21% $9,470
MOUNTAIN WEST FINANCIAL, INC. 61 3.26% $8,099
Origin Bank 58 3.13% $8,907
Midwest Mortgage Associates Corporation 58 3.28% $9,338
Colonial Savings, F.A. 58 3.09% $6,622
CANOPY MORTGAGE, LLC 57 2.90% $10,529
First United Bank 57 2.80% $7,419
FIRST COMMUNITY MORTGAGE, INC. 56 3.25% $9,065
LENDUS, LLC 56 3.25% $8,877
Prosperity Bank 55 2.78% $7,782
Magnolia Bank 53 2.92% $6,977
RB MORTGAGE LLC 53 2.75% $7,998
LAND HOME FINANCIAL SERVICES, INC. 49 3.67% $10,710
The Home Loan Expert LLC 47 2.79% $9,612
MORIA DEVELOPMENT, INC. 47 3.58% $9,717
J. VIRGIL, INC. 47 3.45% $8,536
Affiliated Bank 45 2.82% $9,536
BAY EQUITY LLC 45 3.04% $8,647
Jefferson Bank 45 3.17% $7,129
LEGACY MORTGAGE LLC 45 3.32% $8,158
CELEBRITY HOME LOANS, LLC 44 3.21% $10,100
ZILLOW HOME LOANS, LLC 43 2.75% $9,126
LOANPEOPLE, LLC 42 3.15% $10,459
First State Bank 42 3.01% $9,207
RANLIFE, INC. 42 3.10% $9,367
TJC Mortgage, Inc. 41 3.05% $9,870
First Savings Bank 40 3.27% $11,514
OCMBC, INC. 39 3.52% $10,490
UNION SQUARE 38 2.58% $6,060
ROUNDPOINT MORTGAGE SERVICING CORPORATION 38 3.12% $7,952
Encompass Lending Group, LP 37 3.16% $10,534
Lend Smart Mortgage, LLC 37 3.54% $9,759
Wolfe Financial, Inc 36 3.41% $9,240
Commercial Bank of Texas 36 2.87% $6,960
Low VA Rates, LLC 36 2.88% $4,671
FC LENDING, LTD. 35 3.33% $8,980
Regions Bank 35 2.88% $7,525
Barrington Bank & Trust Company, N.A. 34 3.42% $8,186
LIBERTY HOME MORTGAGE CORPORATION 33 2.94% $10,337
Guaranty Bank & Trust, N.A. 33 2.74% $7,478
First Option Mortgage, LLC 33 3.36% $10,757
Alliance Credit Union 31 3.54% $6,517
ARC HOME LLC 30 3.00% $9,231
NOVA FINANCIAL & INVESTMENT CORPORATION 30 2.99% $7,347
U.S. Bank 30 3.06% $7,902
Colten Mortgage, LLC 30 3.24% $5,862
INTERCAP LENDING INC. 27 3.40% $10,615
The Federal Savings Bank 27 2.89% $9,729
AMERICAN HOMESTAR MORTGAGE, L.L.C. 27 3.18% $10,394
American National Bank & Trust 27 2.54% $5,266
Paramount Bank 26 2.65% $9,854
SUCCESS MORTGAGE PARTNERS, INC. 26 3.43% $9,480
ENDEAVOR CAPITAL, LLC. 25 2.95% $3,186
MEMBER FIRST MORTGAGE, LLC 25 2.82% $8,836
BBVA USA 25 3.28% $7,104
THE MORTGAGE FIRM, INC. 24 3.23% $10,876
PHH Mortgage Corporation 24 3.48% $4,830
FLAT BRANCH MORTGAGE, INC. 24 3.21% $9,940
BETTER MORTGAGE CORPORATION 22 2.90% $7,087
HOMEOWNERS FINANCIAL GROUP USA, LLC 22 3.05% $9,978
NexBank 22 2.98% $10,571
SOVEREIGN LENDING GROUP INCORPORATED 21 2.83% $8,615
UNITED MORTGAGE CORP. 21 2.96% $8,966
Victorian Finance, LLC 21 3.15% $8,331
Wells Fargo Bank 21 3.07% $7,656
Ixonia Bank 21 3.39% $9,353
CONTOUR MORTGAGE CORPORATION 21 2.93% $8,734
WESTSTAR MORTGAGE CORPORATION 20 3.20% $7,595
1ST PREFERENCE MORTGAGE CORP. 20 3.40% $9,324
RESIDENTIAL BANCORP. 20 3.15% $8,944
UNIVERSITY LENDING GROUP, LLC 19 3.16% $9,251
American Mortgage Bank, LLC 19 3.55% $8,879
WESTERN EXPRESS LENDING 18 3.03% $9,509
NFM, INC. 18 3.38% $10,015
Atlantic Home Loans, Inc. 18 3.23% $9,481
Farmers Bank & Trust Company 18 2.64% $7,440
SIWELL, INC. 17 2.96% $7,201
First Horizon Bank 17 3.03% $8,270
Residential Mortgage Solutions, Inc. 17 2.55% $8,131
ON Q FINANCIAL, INC. 17 2.64% $9,170
Home Mortgage Alliance Corp 16 3.32% $10,646
Extraco Banks 16 3.02% $7,902
Priority Bank 16 2.45% $10,589
RED DIAMOND HOME LOANS, LLC 16 2.73% $9,425
VANDERBILT MORTGAGE AND FINANCE, INC. 16 3.52% $10,130
BAYSHORE MORTGAGE FUNDING, LLC 16 3.04% $6,621
Stride Bank 15 3.66% $9,593
AmRes Corporation 15 2.83% $10,572
NATIONWIDE MORTGAGE BANKERS, INC. 15 3.26% $9,767
International Bank of Commerce 14 3.04% $8,464
STOCKTON MORTGAGE CORPORATION 13 3.94% $8,053
State Bank of De Kalb 13 2.73% $6,218
PREMIA MORTGAGE, LLC 13 2.65% $7,557
United Fidelity Funding Corp. 12 3.31% $8,939
TEXAS DOW EMPLOYEES CREDIT UNION 12 3.33% $9,170
Great Plains National Bank 12 3.28% $9,505
MANN FINANCIAL INC. 12 3.38% $7,783
DATA MORTGAGE, INC. 12 3.79% $9,870
NP, Inc. 11 2.95% $8,451
TruHome Solutions, LLC 11 2.95% $7,968
BNC National Bank 11 2.64% $10,110
BKCO MORTGAGE, LLC 10 3.09% $8,909
RELIANCE FIRST CAPITAL, LLC 10 2.88% $9,482
Watermark Capital, Inc. 10 3.09% $10,536
ROYAL UNITED MORTGAGE LLC 10 2.90% $8,623
Peoples Bank 10 3.48% $9,345
Blue Ridge Bank 10 2.71% $8,685
Trustmark National Bank 9 2.81% $8,017
Credence Funding Corporation 9 2.67% $5,834
JMAC LENDING, INC. 9 2.85% $9,481
CityWorth Mortgage LLC 9 3.00% $11,481
Evolve Bank & Trust 9 3.25% $8,230
GSF Mortgage Corporation 9 2.99% $13,440
First Federal Bank 9 3.08% $8,730
M&T Bank 9 2.94% $7,799
Access Community Credit Union 9 3.08% $7,017
NBKC BANK 8 2.86% $8,534
HOMESPIRE MORTGAGE CORPORATION 8 3.20% $8,936
PREMIER LENDING, INC. 8 3.14% $7,066
Zions Bancorporation, N.A. 8 2.92% $6,783
HOMEWAY MORTGAGE LLC 8 2.92% $9,276
EECU 8 3.56% $7,916
Wyndham Capital Mortgage, Inc. 8 2.84% $8,900
MLD MORTGAGE INC. 8 2.66% $7,805
First National Bank of Omaha 8 2.81% $8,689
MEGA CAPITAL FUNDING, INC. 7 2.25% $9,565
JAMES B. NUTTER & COMPANY 7 2.89% $4,900
FirstTrust Home Loans, Inc. 7 2.96% $8,407
Platinum Home Mortgage Corporation 7 3.03% $11,441
CALCULATED RISK ANALYTICS LLC 7 2.88% $8,562
Ameris Bank 7 2.79% $8,850
JET HOMELOANS, LLC 7 3.32% $12,867
UNITED SECURITY FINANCIAL CORP 7 2.93% $7,834
DEVELOPER'S MORTGAGE COMPANY 7 2.96% $8,018
EMBRACE HOME LOANS, INC. 7 3.21% $5,414
CLEARPATH LENDING 6 3.04% $6,697
North American Savings Bank, F.S.B. 6 2.73% $9,078
INLANTA MORTGAGE, INC. 6 3.21% $9,334
US MORTGAGE CORPORATION 6 2.94% $8,554
UNIVERSAL LENDING CORPORATION 6 2.88% $7,779
EMM LOANS LLC 6 3.27% $8,023
FAY SERVICING, LLC 6 3.04% $5,007
Servion, Inc. 6 3.02% $6,658
Chickasaw Community Bank 6 3.00% $8,104
Simmons Bank 6 2.75% $8,048
TIAA, FSB 6 2.67% $7,272
GUARANTY HOME MORTGAGE CORPORATION 6 3.13% $7,830
Century Mortgage Company DBA Century Lending Company 6 3.04% $10,105
OVM FINANCIAL, INC. 6 3.29% $8,681
BEST CAPITAL FUNDING 6 3.08% $11,331
Renasant Bank 6 2.71% $9,468
American Bank of Oklahoma 6 3.15% $10,276
GSB MORTGAGE, INC. 5 3.18% $9,860
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 3.30% $11,175
GMFS LLC 5 3.00% $8,334
GERSHMAN INVESTMENT CORP. 5 2.80% $10,277
PNC Bank 5 2.68% $9,023
Sierra Pacific Mortgage Company, Inc. 5 2.93% $11,488
SIRVA MORTGAGE, INC. 5 2.93% $7,104
CHAMPIONS MORTGAGE LLC 5 3.02% $10,315
Strong Home Mortgage, LLC 5 2.55% $7,721
A&D Mortgage LLC 5 2.95% $9,084
PLUS RELOCATION MORTGAGE, LLC 4 3.34% $9,451
Flanagan State Bank 4 3.75% $9,289
MORTGAGE MANAGEMENT CONSULTANTS, INC. 4 3.22% $5,991
LOANLEADERS OF AMERICA, INC. 4 3.59% $8,931
UNITED NORTHERN MORTGAGE BANKERS LIMITED 4 2.66% $9,388
Lone Star National Bank 4 2.75% $12,634
Prime Choice Funding Inc. 4 3.22% $5,830
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 2.81% $6,829
Princeton Mortgage Corporation 4 3.00% $9,810
FAMILY FIRST FUNDING LLC 4 3.28% $11,671
TOP FLITE FINANCIAL, INC. 4 3.16% $10,682
MEMBER HOME LOAN, L.L.C. 4 2.88% $10,948
VERITAS FUNDING, LLC 4 2.88% $10,158
AXIA FINANCIAL, LLC 4 3.81% $9,494
LENDING 3, INC. 4 3.56% $5,399
COMPASS MORTGAGE, INC. 3 2.71% $8,173
CRESCENT MORTGAGE COMPANY 3 2.54% $9,992
FIDELITY BANK 3 3.04% $10,557
CITYWIDE HOME LOANS, LLC 3 3.54% $8,859
Sabine State Bank and Trust Company 3 2.71% $7,856
Shea Mortgage Inc. 3 2.83% $6,283
FIRST EQUITY MORTGAGE INCORPORATED 3 2.50% $15,140
1ST FINANCIAL, INC. 3 3.08% $15,227
TEXELL Credit Union 3 2.30% $7,517
F & M Bank 3 2.92% $6,886
MASON MCDUFFIE MORTGAGE CORPORATION 3 2.58% $7,935
Hancock Whitney Bank 3 2.50% $9,680
American Momentum Bank 3 3.71% $8,524
HOMESTEAD FUNDING CORP. 3 2.58% $6,846
ALTRA 3 2.96% $11,466
AHL FUNDING 3 3.33% $9,289
LADERA LENDING, INC. 3 2.63% $9,658
DIRECT MORTGAGE LOANS, LLC 3 3.42% $6,859
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 3 3.25% $9,507
KS StateBank 2 2.75% $8,846
Willamette Valley Bank 2 3.31% $6,938
HOME APPROVALS DIRECT, INC. 2 3.50% $11,394
Cadence Bank, N.A. 2 2.44% $8,149
UMB Bank 2 2.38% $9,569
EASTMAN 2 3.63% $6,090
ACOPIA, LLC 2 3.25% $6,369
SOUTHPOINT FINANCIAL SERVICES, INC. 2 2.93% $8,659
ALL WESTERN MORTGAGE, INC. 2 3.25% $7,055
First Mortgage Solutions, LLC 2 2.50% $8,432
DATCU 2 3.06% $9,640
Fifth Third Bank 2 3.00% $6,945
TOTAL MORTGAGE SERVICES, LLC 2 3.94% $11,098
NETWORK CAPITAL FUNDING CORPORATION 2 3.00% $6,471
Neighborhood Loans, Inc. 2 3.88% $10,644
Capital Bank 2 2.31% $7,834
Acre Mortgage and Financial Inc 2 2.75% $10,347
RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 3.56% $7,632
The Huntington National Bank 2 3.06% $9,411
East Coast Capital Corp. 2 2.50% $12,552
Texana Bank 2 3.38% $7,857
Stifel Bank and Trust 2 2.31% $7,475
LENOX FINANCIAL MORTGAGE CORPORATION 2 3.00% $9,205
VISION ONE MORTGAGE, INC. 2 3.38% $4,773
Citibank 2 2.88% $12,248
Midwest BankCentre 1 2.38% $3,850
Florida Capital Bank 1 3.25% $8,615
BELEM SERVICING LLC 1 2.38% $11,846
EVANSVILLE TEACHERS 1 2.75% $8,461
Kwik Mortgage Corporation 1 2.75% $11,094
Axos Bank 1 3.13% $9,372
THE MONEY HOUSE INC. 1 3.13% $9,604
NORWICH COMMERCIAL GROUP, INC. 1 3.25% $9,857
Atlantic Union Bank 1 3.63% $10,501
Fidelity Bank 1 2.50% $10,466
Franklin Loan Corporation 1 2.75% $12,254
DELMAR FINANCIAL COMPANY 1 3.13% $8,352
Arvest Bank 1 2.75% $11,690
MEGASTAR FINANCIAL CORP. 1 3.00% $6,924
West Gate Bank 1 2.25% $8,215
Truist 1 3.20% $5,491
Luxury Mortgage Corp. 1 3.25% $7,850
GET A RATE LLC 1 2.99% $8,865
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 3.00% $10,570
CIS Financial Services, Inc. 1 3.13% $8,370
JET DIRECT FUNDING CORP 1 2.50% $14,672
Premium Mortgage Corporation 1 2.50% $7,050
Pacific Lending LLC 1 4.25% $12,834
American National Bank 1 3.00% $9,346
HALLMARK HOME MORTGAGE, LLC 1 3.25% $9,317
UNIVERSAL MORTGAGE & FINANCE, INC. 1 3.75% $19,917
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 3.50% $10,595
PENTAGON FEDERAL CREDIT UNION 1 2.25% $7,751
INTELLILOAN, INC. 1 2.75% $8,613
Red River Bank 1 2.50% $10,626
Comerica Bank 1 2.75% $5,658
Financial Funding Solutions, Inc. 1 3.00% $9,280
RESIDENTIAL HOME FUNDING CORP. 1 4.75% $10,964
First American Bank 1 3.45% $5,889
First Bank 1 2.63% $6,817
FirstBank 1 2.63% $8,186
RUOFF MORTGAGE COMPANY, INC. 1 3.38% $11,885
Citizens Bank of Las Cruces 1 2.88% $7,984
Opendoor Home Loans LLC 1 2.25% $9,483
NASA Federal Credit Union 1 2.75% $9,013
MYCUMORTGAGE, LLC 1 3.13% $8,161
Shamrock Home Loans, Inc. 1 2.75% $7,907
JMJ FINANCIAL GROUP 1 3.25% $10,072
WINNPOINTE CORPORATION 1 2.63% $9,848
Lake Area Bank 1 2.63% $12,042
InterBank 1 2.38% $7,135
First Federal Bank of Kansas City 1 2.75% $10,576
SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C 1 3.75% $13,028
INTERCOASTAL MORTGAGE COMPANY 1 2.63% $7,904
Southside Bank 1 2.63% $8,459
South State Bank 1 2.75% $14,091
Chambers Bank 1 2.38% $6,319
CAPITAL CONCEPTS, INC. 1 2.88% $12,311
NMSI, INC. 1 3.25% $12,220
Specialized Loan Servicing LLC 1 2.25% $6,727
First Standard Financial Corp. 1 3.25% $12,220
MORTGAGE ACCESS CORP. 1 2.75% $11,375
MORTGAGE 1 INCORPORATED 1 2.75% $7,707
INTERNATIONAL CITY MORTGAGE, INC. 1 2.88% $14,690
First State Bank of St. Charles, Missouri 1 2.50% $9,927
ML Mortgage Corp. 1 3.63% $14,354
COMMUNITYAMERICA 1 2.88% $5,001
Midwest Community Bank 1 2.25% $9,314

The top Texas FHA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 6,013 FHA loans originated. Their average total fees are $8,456, which is $2,030 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Texas FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($2,508), OCEANSIDE MORTGAGE COMPANY ($3,161), ENDEAVOR CAPITAL, LLC. ($3,186), Mr. Cooper ( Nationstar Mortgage ) ($4,283) and Rocky Mountain Mortgage Company ($4,545).

The lowest rate Texas FHA lenders (with over 10 loans originated) are Priority Bank (2.45%), American National Bank & Trust (2.54%), Residential Mortgage Solutions, Inc. (2.55%), LRS FINANCIAL NETWORK, INC. (2.57%) and UNION SQUARE (2.58%).

Texas FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
PALESTINE, TX ANDERSON 2022 $420,680 $538,650 $651,050 $809,150
ANDREWS, TX ANDREWS 2022 $420,680 $538,650 $651,050 $809,150
LUFKIN, TX ANGELINA 2022 $420,680 $538,650 $651,050 $809,150
ROCKPORT, TX ARANSAS 2022 $420,680 $538,650 $651,050 $809,150
WICHITA FALLS, TX ARCHER 2022 $420,680 $538,650 $651,050 $809,150
AMARILLO, TX ARMSTRONG 2022 $420,680 $538,650 $651,050 $809,150
SAN ANTONIO-NEW BRAUNFELS, TX ATASCOSA 2022 $449,650 $575,600 $695,800 $864,700
HOUSTON-THE WOODLANDS-SUGAR LAND, TX AUSTIN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BAILEY 2022 $420,680 $538,650 $651,050 $809,150
SAN ANTONIO-NEW BRAUNFELS, TX BANDERA 2022 $449,650 $575,600 $695,800 $864,700
AUSTIN-ROUND ROCK-GEORGETOWN, TX BASTROP 2022 $483,000 $618,300 $747,400 $928,850
NON-METRO BAYLOR 2022 $420,680 $538,650 $651,050 $809,150
BEEVILLE, TX BEE 2022 $420,680 $538,650 $651,050 $809,150
KILLEEN-TEMPLE, TX BELL 2022 $420,680 $538,650 $651,050 $809,150
SAN ANTONIO-NEW BRAUNFELS, TX BEXAR 2022 $449,650 $575,600 $695,800 $864,700
NON-METRO BLANCO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BORDEN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BOSQUE 2022 $420,680 $538,650 $651,050 $809,150
TEXARKANA, TX-AR BOWIE 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX BRAZORIA 2022 $420,680 $538,650 $651,050 $809,150
COLLEGE STATION-BRYAN, TX BRAZOS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BREWSTER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BRISCOE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BROOKS 2022 $420,680 $538,650 $651,050 $809,150
BROWNWOOD, TX BROWN 2022 $420,680 $538,650 $651,050 $809,150
COLLEGE STATION-BRYAN, TX BURLESON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO BURNET 2022 $420,680 $538,650 $651,050 $809,150
AUSTIN-ROUND ROCK-GEORGETOWN, TX CALDWELL 2022 $483,000 $618,300 $747,400 $928,850
PORT LAVACA, TX CALHOUN 2022 $420,680 $538,650 $651,050 $809,150
ABILENE, TX CALLAHAN 2022 $420,680 $538,650 $651,050 $809,150
BROWNSVILLE-HARLINGEN, TX CAMERON 2022 $420,680 $538,650 $651,050 $809,150
MOUNT PLEASANT, TX CAMP 2022 $420,680 $538,650 $651,050 $809,150
AMARILLO, TX CARSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CASS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CASTRO 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX CHAMBERS 2022 $420,680 $538,650 $651,050 $809,150
JACKSONVILLE, TX CHEROKEE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CHILDRESS 2022 $420,680 $538,650 $651,050 $809,150
WICHITA FALLS, TX CLAY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COCHRAN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COKE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COLEMAN 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX COLLIN 2022 $450,800 $577,100 $697,600 $866,950
NON-METRO COLLINGSWORTH 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COLORADO 2022 $420,680 $538,650 $651,050 $809,150
SAN ANTONIO-NEW BRAUNFELS, TX COMAL 2022 $449,650 $575,600 $695,800 $864,700
NON-METRO COMANCHE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CONCHO 2022 $420,680 $538,650 $651,050 $809,150
GAINESVILLE, TX COOKE 2022 $420,680 $538,650 $651,050 $809,150
KILLEEN-TEMPLE, TX CORYELL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO COTTLE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CRANE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CROCKETT 2022 $420,680 $538,650 $651,050 $809,150
LUBBOCK, TX CROSBY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO CULBERSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DALLAM 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX DALLAS 2022 $450,800 $577,100 $697,600 $866,950
LAMESA, TX DAWSON 2022 $420,680 $538,650 $651,050 $809,150
HEREFORD, TX DEAF SMITH 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DELTA 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX DENTON 2022 $450,800 $577,100 $697,600 $866,950
NON-METRO DEWITT 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DICKENS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DIMMIT 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO DONLEY 2022 $420,680 $538,650 $651,050 $809,150
ALICE, TX DUVAL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO EASTLAND 2022 $420,680 $538,650 $651,050 $809,150
ODESSA, TX ECTOR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO EDWARDS 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX ELLIS 2022 $450,800 $577,100 $697,600 $866,950
EL PASO, TX EL PASO 2022 $420,680 $538,650 $651,050 $809,150
STEPHENVILLE, TX ERATH 2022 $420,680 $538,650 $651,050 $809,150
WACO, TX FALLS 2022 $420,680 $538,650 $651,050 $809,150
BONHAM, TX FANNIN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO FAYETTE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO FISHER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO FLOYD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO FOARD 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX FORT BEND 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO FREESTONE 2022 $420,680 $538,650 $651,050 $809,150
PEARSALL, TX FRIO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GAINES 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX GALVESTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GARZA 2022 $420,680 $538,650 $651,050 $809,150
FREDERICKSBURG, TX GILLESPIE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GLASSCOCK 2022 $420,680 $538,650 $651,050 $809,150
VICTORIA, TX GOLIAD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GONZALES 2022 $420,680 $538,650 $651,050 $809,150
PAMPA, TX GRAY 2022 $420,680 $538,650 $651,050 $809,150
SHERMAN-DENISON, TX GRAYSON 2022 $420,680 $538,650 $651,050 $809,150
LONGVIEW, TX GREGG 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO GRIMES 2022 $420,680 $538,650 $651,050 $809,150
SAN ANTONIO-NEW BRAUNFELS, TX GUADALUPE 2022 $449,650 $575,600 $695,800 $864,700
PLAINVIEW, TX HALE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HALL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HAMILTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HANSFORD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HARDEMAN 2022 $420,680 $538,650 $651,050 $809,150
BEAUMONT-PORT ARTHUR, TX HARDIN 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX HARRIS 2022 $420,680 $538,650 $651,050 $809,150
LONGVIEW, TX HARRISON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HARTLEY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HASKELL 2022 $420,680 $538,650 $651,050 $809,150
AUSTIN-ROUND ROCK-GEORGETOWN, TX HAYS 2022 $483,000 $618,300 $747,400 $928,850
NON-METRO HEMPHILL 2022 $420,680 $538,650 $651,050 $809,150
ATHENS, TX HENDERSON 2022 $420,680 $538,650 $651,050 $809,150
MCALLEN-EDINBURG-MISSION, TX HIDALGO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HILL 2022 $420,680 $538,650 $651,050 $809,150
LEVELLAND, TX HOCKLEY 2022 $420,680 $538,650 $651,050 $809,150
GRANBURY, TX HOOD 2022 $420,680 $538,650 $651,050 $809,150
SULPHUR SPRINGS, TX HOPKINS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO HOUSTON 2022 $420,680 $538,650 $651,050 $809,150
BIG SPRING, TX HOWARD 2022 $420,680 $538,650 $651,050 $809,150
EL PASO, TX HUDSPETH 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX HUNT 2022 $450,800 $577,100 $697,600 $866,950
BORGER, TX HUTCHINSON 2022 $420,680 $538,650 $651,050 $809,150
SAN ANGELO, TX IRION 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO JACK 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO JACKSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO JASPER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO JEFF DAVIS 2022 $420,680 $538,650 $651,050 $809,150
BEAUMONT-PORT ARTHUR, TX JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO JIM HOGG 2022 $420,680 $538,650 $651,050 $809,150
ALICE, TX JIM WELLS 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX JOHNSON 2022 $450,800 $577,100 $697,600 $866,950
ABILENE, TX JONES 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KARNES 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX KAUFMAN 2022 $450,800 $577,100 $697,600 $866,950
SAN ANTONIO-NEW BRAUNFELS, TX KENDALL 2022 $449,650 $575,600 $695,800 $864,700
KINGSVILLE, TX KENEDY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KENT 2022 $420,680 $538,650 $651,050 $809,150
KERRVILLE, TX KERR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KIMBLE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KING 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KINNEY 2022 $420,680 $538,650 $651,050 $809,150
KINGSVILLE, TX KLEBERG 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO KNOX 2022 $420,680 $538,650 $651,050 $809,150
PARIS, TX LAMAR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LAMB 2022 $420,680 $538,650 $651,050 $809,150
KILLEEN-TEMPLE, TX LAMPASAS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LA SALLE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LAVACA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LEE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LEON 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX LIBERTY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LIMESTONE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LIPSCOMB 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LIVE OAK 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO LLANO 2022 $420,680 $538,650 $651,050 $809,150
PECOS, TX LOVING 2022 $420,680 $538,650 $651,050 $809,150
LUBBOCK, TX LUBBOCK 2022 $420,680 $538,650 $651,050 $809,150
LUBBOCK, TX LYNN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MCCULLOCH 2022 $420,680 $538,650 $651,050 $809,150
WACO, TX MCLENNAN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MCMULLEN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MADISON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MARION 2022 $420,680 $538,650 $651,050 $809,150
MIDLAND, TX MARTIN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MASON 2022 $420,680 $538,650 $651,050 $809,150
BAY CITY, TX MATAGORDA 2022 $420,680 $538,650 $651,050 $809,150
EAGLE PASS, TX MAVERICK 2022 $420,680 $538,650 $651,050 $809,150
SAN ANTONIO-NEW BRAUNFELS, TX MEDINA 2022 $449,650 $575,600 $695,800 $864,700
NON-METRO MENARD 2022 $420,680 $538,650 $651,050 $809,150
MIDLAND, TX MIDLAND 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MILAM 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MILLS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MITCHELL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MONTAGUE 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX MONTGOMERY 2022 $420,680 $538,650 $651,050 $809,150
DUMAS, TX MOORE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MORRIS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO MOTLEY 2022 $420,680 $538,650 $651,050 $809,150
NACOGDOCHES, TX NACOGDOCHES 2022 $420,680 $538,650 $651,050 $809,150
CORSICANA, TX NAVARRO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO NEWTON 2022 $420,680 $538,650 $651,050 $809,150
SWEETWATER, TX NOLAN 2022 $420,680 $538,650 $651,050 $809,150
CORPUS CHRISTI, TX NUECES 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO OCHILTREE 2022 $420,680 $538,650 $651,050 $809,150
AMARILLO, TX OLDHAM 2022 $420,680 $538,650 $651,050 $809,150
BEAUMONT-PORT ARTHUR, TX ORANGE 2022 $420,680 $538,650 $651,050 $809,150
MINERAL WELLS, TX PALO PINTO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO PANOLA 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX PARKER 2022 $450,800 $577,100 $697,600 $866,950
NON-METRO PARMER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO PECOS 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO POLK 2022 $420,680 $538,650 $651,050 $809,150
AMARILLO, TX POTTER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO PRESIDIO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO RAINS 2022 $420,680 $538,650 $651,050 $809,150
AMARILLO, TX RANDALL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO REAGAN 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO REAL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO RED RIVER 2022 $420,680 $538,650 $651,050 $809,150
PECOS, TX REEVES 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO REFUGIO 2022 $420,680 $538,650 $651,050 $809,150
PAMPA, TX ROBERTS 2022 $420,680 $538,650 $651,050 $809,150
COLLEGE STATION-BRYAN, TX ROBERTSON 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX ROCKWALL 2022 $450,800 $577,100 $697,600 $866,950
NON-METRO RUNNELS 2022 $420,680 $538,650 $651,050 $809,150
LONGVIEW, TX RUSK 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SABINE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SAN AUGUSTINE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SAN JACINTO 2022 $420,680 $538,650 $651,050 $809,150
CORPUS CHRISTI, TX SAN PATRICIO 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SAN SABA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SCHLEICHER 2022 $420,680 $538,650 $651,050 $809,150
SNYDER, TX SCURRY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SHACKELFORD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SHELBY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SHERMAN 2022 $420,680 $538,650 $651,050 $809,150
TYLER, TX SMITH 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SOMERVELL 2022 $420,680 $538,650 $651,050 $809,150
RIO GRANDE CITY-ROMA, TX STARR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO STEPHENS 2022 $420,680 $538,650 $651,050 $809,150
SAN ANGELO, TX STERLING 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO STONEWALL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SUTTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO SWISHER 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX TARRANT 2022 $450,800 $577,100 $697,600 $866,950
ABILENE, TX TAYLOR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO TERRELL 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO TERRY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO THROCKMORTON 2022 $420,680 $538,650 $651,050 $809,150
MOUNT PLEASANT, TX TITUS 2022 $420,680 $538,650 $651,050 $809,150
SAN ANGELO, TX TOM GREEN 2022 $420,680 $538,650 $651,050 $809,150
AUSTIN-ROUND ROCK-GEORGETOWN, TX TRAVIS 2022 $483,000 $618,300 $747,400 $928,850
NON-METRO TRINITY 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO TYLER 2022 $420,680 $538,650 $651,050 $809,150
LONGVIEW, TX UPSHUR 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO UPTON 2022 $420,680 $538,650 $651,050 $809,150
UVALDE, TX UVALDE 2022 $420,680 $538,650 $651,050 $809,150
DEL RIO, TX VAL VERDE 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO VAN ZANDT 2022 $420,680 $538,650 $651,050 $809,150
VICTORIA, TX VICTORIA 2022 $420,680 $538,650 $651,050 $809,150
HUNTSVILLE, TX WALKER 2022 $420,680 $538,650 $651,050 $809,150
HOUSTON-THE WOODLANDS-SUGAR LAND, TX WALLER 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WARD 2022 $420,680 $538,650 $651,050 $809,150
BRENHAM, TX WASHINGTON 2022 $420,680 $538,650 $651,050 $809,150
LAREDO, TX WEBB 2022 $420,680 $538,650 $651,050 $809,150
EL CAMPO, TX WHARTON 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO WHEELER 2022 $420,680 $538,650 $651,050 $809,150
WICHITA FALLS, TX WICHITA 2022 $420,680 $538,650 $651,050 $809,150
VERNON, TX WILBARGER 2022 $420,680 $538,650 $651,050 $809,150
RAYMONDVILLE, TX WILLACY 2022 $420,680 $538,650 $651,050 $809,150
AUSTIN-ROUND ROCK-GEORGETOWN, TX WILLIAMSON 2022 $483,000 $618,300 $747,400 $928,850
SAN ANTONIO-NEW BRAUNFELS, TX WILSON 2022 $449,650 $575,600 $695,800 $864,700
NON-METRO WINKLER 2022 $420,680 $538,650 $651,050 $809,150
DALLAS-FORT WORTH-ARLINGTON, TX WISE 2022 $450,800 $577,100 $697,600 $866,950
NON-METRO WOOD 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO YOAKUM 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO YOUNG 2022 $420,680 $538,650 $651,050 $809,150
ZAPATA, TX ZAPATA 2022 $420,680 $538,650 $651,050 $809,150
NON-METRO ZAVALA 2022 $420,680 $538,650 $651,050 $809,150

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).