Texas FHA Loan Rates, Closing Costs & Stats

Texas

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    • 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 6.72% for the week of 2023-09-22, compared to the national average (all FHA variants) of 7.036% for the same period.

    Texas's average FHA mortgage closing costs are $8,440.

    The average rate for the prior week (2023-09-15) was 6.58% and one month ago for the week of 2023-08-18, the average rate was 6.49%.

    The average rate one year ago was 5.27%.

    For refis of the same type during the week of 2023-09-22, the average rate was 5.55%.

    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 5,831 4.39% $10,425
    UNITED WHOLESALE MORTGAGE, LLC 3,178 5.07% $11,375
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2,617 5.42% $10,483
    AMCAP MORTGAGE, LTD. 2,418 5.27% $12,398
    QUICKEN LOANS, LLC 2,384 4.52% $11,146
    EAGLE HOME MORTGAGE, LLC 2,367 4.63% $10,245
    EVERETT FINANCIAL, INC. 2,138 5.52% $8,047
    LOANDEPOT.COM, LLC 1,941 5.12% $12,156
    CARDINAL FINANCIAL 1,868 5.16% $12,420
    GUILD MORTGAGE COMPANY 1,402 5.32% $11,866
    Gateway First Bank 1,389 5.37% $8,949
    CALIBER HOME LOANS, INC. 1,348 4.74% $10,803
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1,274 5.06% $8,634
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1,188 5.32% $11,753
    NATIONS RELIABLE LENDING, LLC 1,126 5.25% $12,851
    CROSSCOUNTRY MORTGAGE, LLC 958 5.48% $13,450
    CMG MORTGAGE, INC. 958 5.18% $12,820
    CORNERSTONE HOME LENDING, INC. 943 5.06% $12,543
    FREEDOM MORTGAGE CORPORATION 878 4.54% $10,492
    PULTE MORTGAGE LLC 848 4.88% $7,525
    SFMC, LP 847 5.30% $13,220
    Town Square Mortgage & Investments, Inc. 835 5.54% $11,173
    Flagstar Bank, FSB 737 4.73% $10,027
    INTERLINC MORTGAGE SERVICES, LLC 705 5.15% $11,420
    GUARANTEED RATE, INC. 661 5.16% $12,362
    MORTGAGE FINANCIAL SERVICES, LLC 650 5.10% $10,226
    KBHS HOME LOANS, LLC 645 5.06% $14,295
    MOVEMENT MORTGAGE, LLC 625 5.22% $11,641
    SECURITYNATIONAL MORTGAGE COMPANY 607 5.37% $12,101
    WILLOW BEND MORTGAGE COMPANY, LLC 588 4.86% $13,687
    Paramount Residential Mortgage Group, Inc. 570 4.99% $13,257
    AMERICAN PACIFIC MORTGAGE CORPORATION 548 5.14% $12,479
    PENNYMAC LOAN SERVICES, LLC 540 3.97% $8,249
    BROKER SOLUTIONS, INC. 528 5.19% $11,036
    THRIVE MORTGAGE, LLC 484 5.12% $13,249
    ACADEMY MORTGAGE CORPORATION 458 5.54% $11,705
    T2 FINANCIAL LLC 451 5.63% $11,141
    Network Funding, L.P. 443 5.25% $11,729
    PLAZA HOME MORTGAGE, INC. 436 4.88% $11,548
    LAKEVIEW LOAN SERVICING, LLC 434 3.35% $5,567
    VELOCIO MORTGAGE L.L.C. 430 4.99% $14,264
    S1L, Inc. 421 5.37% $11,729
    Mr. Cooper ( Nationstar Mortgage ) 395 3.80% $6,325
    SOUTHWEST FUNDING, LP 388 5.41% $14,791
    HOME POINT FINANCIAL CORPORATION 377 4.48% $11,896
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 356 5.30% $13,219
    EUSTIS AND AMERICAN MORTGAGE COMPANY 356 5.07% $10,324
    PLANET HOME LENDING, LLC 326 4.61% $9,945
    Lakeview Community Capital, LLC 324 3.40% $5,353
    Commerce Home Mortgage, Inc. 321 4.69% $9,466
    Nations Lending Corporation 318 5.25% $9,619
    Republic State Mortgage Co. 309 5.07% $11,812
    HOMESIDE FINANCIAL, LLC 308 4.90% $13,588
    Rocky Mountain Mortgage Company 306 5.18% $6,124
    PRIMARY RESIDENTIAL MORTGAGE, INC. 282 5.28% $10,938
    Equity Prime Mortgage LLC 282 5.47% $11,937
    SWBC MORTGAGE CORPORATION 277 5.44% $9,169
    M/I FINANCIAL, LLC 276 4.72% $13,224
    INSPIRE HOME LOANS INC. 265 4.86% $11,348
    CHERRY CREEK MORTGAGE, LLC 260 5.33% $4,735
    MID AMERICA MORTGAGE, INC. 259 5.14% $8,172
    First National Bank Texas 256 5.32% $9,407
    CERTAINTY HOME LOANS, LLC 254 5.33% $10,241
    DIRECTIONS EQUITY, LLC 248 5.08% $9,689
    City Bank 241 5.02% $9,856
    CLM MORTGAGE, INC 231 5.14% $14,137
    Wallick & Volk, Inc. 217 5.16% $9,033
    AMERISAVE MORTGAGE CORPORATION 214 4.58% $13,588
    HOMEBRIDGE FINANCIAL SERVICES, INC. 197 5.04% $13,227
    First United Bank and Trust Company 194 5.33% $12,236
    OPEN MORTGAGE, LLC 192 5.05% $11,013
    First Bank & Trust 192 5.16% $8,708
    NEWREZ LLC 184 4.88% $8,690
    Amarillo National Bank 179 4.93% $7,323
    V.I.P. MORTGAGE, INC. 178 5.07% $12,167
    GREAT WESTERN FINANCIAL SERVICES, INC. 177 5.00% $12,199
    Carrington Mortgage Services, LLC 176 4.79% $10,858
    BancorpSouth 176 4.94% $10,524
    PATRIOT MORTGAGE COMPANY 175 4.77% $10,221
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 173 4.78% $12,097
    LEADERONE FINANCIAL CORPORATION 172 5.13% $10,730
    FINANCE OF AMERICA MORTGAGE LLC 172 4.81% $10,808
    TEXAS TECH 169 4.91% $8,177
    MORTGAGE SOLUTIONS OF COLORADO, LLC 167 5.41% $12,477
    Hometown Lenders, Inc. 167 5.03% $11,392
    SUN WEST MORTGAGE COMPANY, INC. 160 5.13% $11,105
    Amerifirst Financial, Inc. 157 5.40% $10,056
    HOMETRUST MORTGAGE COMPANY 156 5.20% $9,707
    FBC MORTGAGE, LLC 155 4.90% $9,479
    Loan Simple, Inc. 155 5.65% $12,051
    Citizens Bank 154 4.53% $11,381
    ASPIRE FINANCIAL, INC. 152 4.71% $11,581
    UNION HOME MORTGAGE CORP. 152 5.32% $10,307
    DRAPER AND KRAMER MORTGAGE CORP. 151 5.17% $12,662
    VILLAGE CAPITAL MORTGAGE 149 3.33% $3,350
    GENEVA FINANCIAL, LLC 145 5.46% $13,075
    VAN DYK MORTGAGE CORPORATION 138 5.27% $9,048
    Trinity Oaks Mortgage, LLC 137 5.10% $15,052
    LEGEND LENDING CORPORATION 136 5.59% $11,813
    Century Mortgage Company DBA Century Lending Company 136 5.48% $13,319
    BECKAM FUNDING CORP. 136 5.72% $19,653
    DAS Acquisition Company, LLC 134 5.35% $15,191
    PANORAMA MORTGAGE GROUP, LLC 132 5.43% $11,579
    JPMorgan Chase Bank 131 5.19% $7,719
    First Financial Bank 131 5.03% $8,620
    GUARANTEED RATE AFFINITY, LLC 130 5.25% $11,887
    Sunflower Bank 128 4.83% $11,348
    CALCON MUTUAL MORTGAGE LLC 128 5.59% $14,761
    CITY FIRST MORTGAGE SERVICES, L.L.C. 126 5.04% $12,314
    Independent Bank 124 5.58% $12,213
    Mortgage Research Center, LLC 123 5.32% $8,194
    CADENCE LENDING GROUP, INC. 117 5.21% $10,010
    AMERICA'S CHOICE HOME LOANS LP 116 5.12% $11,716
    PILGRIM MORTGAGE LLC 115 5.42% $12,606
    LHM FINANCIAL CORPORATION 114 5.30% $11,611
    TOWNE MORTGAGE COMPANY 112 4.63% $12,037
    First Guaranty Mortgage Corporation 107 4.38% $9,852
    ENVOY MORTGAGE, LTD 102 5.31% $12,799
    Bank of England 95 5.14% $12,159
    Neighborhood Loans, Inc. 95 5.94% $13,845
    Waterstone Mortgage Corporation 95 5.69% $11,678
    South Pacific Financial Corporation 94 4.57% $14,405
    ASSOCIATED MORTGAGE CORPORATION 94 5.14% $9,961
    NATIONS DIRECT MORTGAGE, LLC 93 4.49% $11,070
    Plains Commerce Bank 89 5.37% $12,000
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 87 5.42% $12,690
    ADVISA MORTGAGE SERVICES, LTD. 86 5.07% $12,699
    SUCCESS MORTGAGE PARTNERS, INC. 86 5.56% $12,304
    BROOKHOLLOW MORTGAGE SERVICES, LTD 85 5.02% $16,691
    FLAT BRANCH MORTGAGE, INC. 83 5.34% $7,835
    UNIVERSITY Federal Credit Union 83 4.36% $10,860
    ASCENT HOME LENDING, LLC 82 5.05% $12,615
    CRESTMARK MORTGAGE COMPANY, LTD. 81 5.11% $14,811
    Bank of America 80 4.15% $6,433
    Prosperity Home Mortgage, LLC 79 5.51% $10,738
    Southwest Bank 78 5.09% $9,315
    SENTE MORTGAGE, INC. 78 5.66% $12,516
    AMERICAN FINANCIAL RESOURCES, INC. 76 5.05% $9,681
    SUMMIT FUNDING, INC. 73 5.20% $13,078
    LRS FINANCIAL NETWORK, INC. 73 4.41% $8,450
    LOANPEOPLE, LLC 72 5.45% $13,278
    First Bank 71 5.06% $11,413
    HANCOCK MORTGAGE PARTNERS, LLC 69 5.13% $13,372
    ANGEL OAK HOME LOANS LLC 68 4.93% $12,870
    HAMILTON HOME LOANS, INC. 66 4.78% $11,628
    First United Bank 65 5.02% $8,699
    Centennial Bank 65 4.55% $7,521
    ZILLOW HOME LOANS, LLC 64 5.37% $11,092
    Austin Capital Bank SSB 62 5.00% $12,357
    GIBRALTAR MORTGAGE SERVICES, LLC 61 5.02% $10,698
    CANOPY MORTGAGE, LLC 59 5.21% $14,249
    SOUTHWEST STAGE FUNDING, LLC 59 4.66% $8,368
    The Home Loan Expert LLC 58 4.47% $11,042
    OCMBC, INC. 57 5.97% $13,879
    BOKF 57 4.91% $11,384
    First Option Mortgage, LLC 57 4.92% $12,298
    BAY EQUITY LLC 56 5.32% $11,677
    CHURCHILL MORTGAGE CORPORATION 56 5.35% $11,940
    THE MORTGAGE LINK, INC. 56 5.97% $14,184
    KELLER MORTGAGE, LLC 55 4.66% $9,596
    NFM, INC. 55 5.58% $12,907
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 54 5.17% $11,974
    FIRST CENTENNIAL MORTGAGE CORPORATION 52 5.11% $10,560
    NTFN, INC. 50 5.07% $11,467
    Wells Fargo Bank 50 4.72% $8,153
    Encompass Lending Group, LP 46 5.40% $11,910
    Northpointe Bank 46 4.76% $13,225
    Alliance Credit Union 46 5.35% $5,687
    Hometown Equity Mortgage, LLC 45 5.51% $13,393
    First Home Bank 44 5.22% $11,652
    MUTUAL OF OMAHA MORTGAGE, INC. 41 5.09% $12,404
    Colonial Savings, F.A. 40 4.82% $10,358
    Magnolia Bank 37 5.25% $13,398
    MORIA DEVELOPMENT, INC. 37 5.43% $11,213
    MICHIGAN MUTUAL, INC. 37 4.93% $13,685
    PREMIER LENDING, INC. 36 5.70% $10,400
    CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P. 36 4.95% $13,687
    PRIORITY HOME MORTGAGE, L.P. 35 4.71% $12,307
    Commercial Bank of Texas 35 5.24% $8,909
    STOCKTON MORTGAGE CORPORATION 35 5.23% $9,759
    American National Bank & Trust 34 4.75% $7,433
    Prosperity Bank 34 4.79% $9,223
    Assurance Financial Group, L.L.C. 34 5.22% $12,833
    HOME FINANCING UNLIMITED, INC. 32 4.69% $16,472
    INFINITY MORTGAGE HOLDINGS, LLC 31 4.07% $9,690
    AMERICAN FINANCING CORPORATION 31 4.60% $10,611
    MEMBER FIRST MORTGAGE, LLC 30 4.75% $8,955
    Lend Smart Mortgage, LLC 30 5.96% $10,782
    Jefferson Bank 30 4.91% $8,102
    LAND HOME FINANCIAL SERVICES, INC. 29 5.53% $12,471
    TEXAS DOW EMPLOYEES CREDIT UNION 29 4.56% $10,347
    Guaranty Bank & Trust, N.A. 28 4.63% $8,761
    BETTER MORTGAGE CORPORATION 28 3.84% $10,347
    FC LENDING, LTD. 27 5.21% $13,856
    First State Bank 27 5.16% $12,089
    Origin Bank 27 4.82% $10,330
    AMERICAN HOMESTAR MORTGAGE, L.L.C. 26 4.65% $14,530
    TJC Mortgage, Inc. 25 5.14% $11,867
    RESIDENTIAL BANCORP 25 4.83% $14,170
    Wyndham Capital Mortgage, Inc. 24 4.58% $10,514
    Midwest Mortgage Associates Corporation 24 5.14% $10,156
    U.S. Bank 24 4.83% $9,824
    INTERCAP LENDING INC. 24 4.88% $14,048
    J. VIRGIL, INC. 23 4.72% $11,505
    RANLIFE, INC. 23 4.94% $10,734
    Goldwater Bank, N.A. 22 5.17% $11,840
    Regions Bank 22 5.16% $9,645
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 22 5.08% $16,189
    RB MORTGAGE LLC 22 4.77% $8,253
    NBKC BANK 22 4.88% $10,400
    Ixonia Bank 21 6.05% $14,653
    AmeriHome Mortgage Company, LLC 21 4.48% $9,525
    LOANPAL, LLC 21 3.65% $10,262
    PENTAGON FEDERAL CREDIT UNION 21 4.92% $9,234
    HOMESPIRE MORTGAGE CORPORATION 21 5.80% $11,096
    AHL FUNDING 20 5.56% $17,632
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 19 4.28% $10,678
    VANDERBILT MORTGAGE AND FINANCE, INC. 19 4.85% $12,834
    CASTLE & COOKE MORTGAGE, LLC 18 5.68% $13,067
    THE MORTGAGE FIRM, INC. 18 5.13% $11,996
    American Bank of Commerce 18 4.46% $9,681
    PNC Bank 18 5.00% $7,047
    Barrington Bank & Trust Company, N.A. 18 5.10% $10,762
    UNION SQUARE 18 4.89% $6,994
    North American Savings Bank, F.S.B. 18 5.29% $10,817
    MOUNTAIN WEST FINANCIAL, INC. 18 4.49% $8,554
    ARC HOME LLC 17 4.56% $11,645
    LIBERTY HOME MORTGAGE CORPORATION 17 4.93% $10,935
    1ST PREFERENCE MORTGAGE CORP. 17 4.99% $11,808
    First National Bank 17 4.68% $8,478
    The Federal Savings Bank 16 4.69% $13,009
    GSF Mortgage Corporation 15 5.03% $14,633
    WESTSTAR MORTGAGE CORPORATION 15 4.83% $10,277
    JET HOMELOANS, LLC 15 5.37% $12,844
    First Savings Bank 14 4.46% $13,156
    LEGACY MORTGAGE LLC 14 5.22% $11,364
    PREMIA MORTGAGE, LLC 14 5.12% $8,431
    NOVA FINANCIAL & INVESTMENT CORPORATION 13 5.54% $8,189
    Farmers Bank & Trust Company 13 4.85% $10,615
    NBH Bank 13 5.94% $10,162
    American Mortgage Bank, LLC 13 5.08% $9,840
    United Fidelity Funding Corp. 12 5.61% $14,066
    TruHome Solutions, LLC 12 4.96% $12,143
    Strong Home Mortgage, LLC 12 4.54% $8,003
    Peoples Bank 12 4.92% $16,112
    PHH Mortgage Corporation 12 5.29% $10,189
    Affiliated Bank 11 5.20% $12,440
    HOMESTAR FINANCIAL CORPORATION 11 5.51% $10,654
    Wolfe Financial, Inc 11 5.38% $13,027
    Extraco Banks 10 4.71% $9,347
    Sierra Pacific Mortgage Company, Inc. 10 5.00% $12,470
    BNC National Bank 10 4.81% $11,307
    International Bank of Commerce 10 4.48% $11,212
    FIRST CONTINENTAL MORTGAGE, LTD. 10 4.94% $14,289
    Zions Bank 9 4.61% $10,348
    DIRECT MORTGAGE LOANS, LLC 9 5.32% $12,215
    HOMEOWNERS FINANCIAL GROUP USA, LLC 9 5.21% $13,736
    NATIONWIDE MORTGAGE BANKERS, INC. 9 5.28% $13,546
    NexBank 9 4.92% $11,771
    SeaTrust Mortgage Company 9 6.25% $14,296
    SIWELL, INC. 9 4.17% $7,761
    TIB The Independent Bankersbank 9 5.38% $10,055
    UNITED MORTGAGE CORP 9 5.61% $15,233
    Stride Bank 8 5.19% $11,229
    Sabine State Bank and Trust Company 8 4.63% $10,722
    GSB MORTGAGE, INC. 8 4.25% $10,005
    Pacific Lending LLC 8 5.64% $11,973
    PREMIER MORTGAGE RESOURCES, L.L.C. 8 4.91% $13,459
    Security State Bank & Trust 8 4.81% $9,730
    Great Plains National Bank 8 5.53% $12,468
    Servion, Inc. 7 4.80% $8,451
    UNIVERSITY LENDING GROUP, LLC 7 5.39% $12,494
    Florida Capital Bank 7 4.39% $10,111
    ON Q FINANCIAL, INC. 7 5.54% $9,580
    Trustmark National Bank 7 4.29% $11,840
    OVM FINANCIAL, INC. 7 4.54% $9,687
    Paramount Bank 7 4.55% $10,239
    Southside Bank 7 4.77% $7,911
    State Bank of De Kalb 7 4.25% $8,852
    InterBank 7 4.86% $7,338
    GMFS LLC 6 4.48% $7,474
    COUNTRYPLACE MORTGAGE, LTD. 6 4.63% $17,795
    FirstTrust Home Loans, Inc. 6 4.46% $9,612
    AmRes Corporation 6 4.14% $14,223
    ROYAL UNITED MORTGAGE LLC 6 4.71% $11,504
    Arvest Bank 6 3.98% $9,927
    MANN FINANCIAL INC. 6 5.71% $13,422
    Victorian Finance, LLC 6 5.19% $12,728
    SIRVA MORTGAGE, INC. 6 5.13% $11,171
    Simmons Bank 6 5.56% $9,340
    Truist 5 5.61% $10,495
    ENCORE BANK 5 4.35% $10,196
    JMJ FINANCIAL GROUP 5 4.93% $14,288
    OCEANSIDE MORTGAGE COMPANY 5 3.50% $2,422
    Ameris Bank 5 4.70% $14,401
    HOMEWAY MORTGAGE LLC 5 4.42% $10,799
    American Bank of Oklahoma 5 4.55% $9,758
    SOUTHPOINT FINANCIAL SERVICES, INC. 5 5.35% $11,115
    UNIVERSAL LENDING CORPORATION 5 5.05% $9,445
    Colten Mortgage, LLC 5 4.25% $13,368
    First American Bank 5 5.45% $7,261
    CONTOUR MORTGAGE CORPORATION 5 4.73% $13,253
    Shea Mortgage Inc. 5 4.73% $8,949
    MLD MORTGAGE INC. 5 3.78% $10,128
    JMAC LENDING, INC. 5 6.33% $14,679
    NETWORK CAPITAL FUNDING CORPORATION 5 3.48% $11,690
    M&T Bank 4 4.03% $10,184
    DATCU 4 4.72% $6,518
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 4.72% $10,217
    Princeton Mortgage Corporation 4 4.28% $16,027
    DELMAR FINANCIAL COMPANY 4 4.94% $6,987
    HALLMARK HOME MORTGAGE, LLC 4 6.94% $11,305
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 4 6.84% $8,838
    PLUS RELOCATION MORTGAGE, LLC 4 5.22% $15,642
    UNITED SECURITY FINANCIAL CORP 4 4.94% $14,164
    First Internet Bank of Indiana 4 4.59% $11,046
    ALTRA 4 4.66% $8,492
    TOTAL MORTGAGE SERVICES, LLC 4 4.25% $10,678
    MLB RESIDENTIAL LENDING, LLC 4 5.78% $14,140
    ML Mortgage Corp. 4 5.19% $15,695
    ENDEAVOR CAPITAL, LLC. 4 5.15% $15,668
    MORTGAGE ACCESS CORP. 4 5.19% $16,594
    F & M Bank 4 5.06% $8,627
    CityWorth Mortgage LLC 4 4.09% $13,550
    1ST SIGNATURE LENDING, LLC 4 6.34% $14,132
    Citizens Bank of Las Cruces 4 4.88% $8,072
    Semper Home Loans, Inc. 4 5.72% $10,865
    RESIDENTIAL HOME FUNDING CORP. 4 4.38% $15,684
    DATA MORTGAGE, INC. 4 5.13% $17,396
    RELIANCE FIRST CAPITAL, LLC 4 5.91% $10,627
    PACIFIC RESIDENTIAL MORTGAGE, LLC 4 5.97% $14,057
    RED DIAMOND HOME LOANS, LLC 4 4.78% $10,801
    Watermark Capital, Inc. 4 3.84% $12,114
    The Central Trust Bank 3 5.29% $9,945
    LOANLEADERS OF AMERICA, INC. 3 4.58% $11,407
    KINECTA 3 4.50% $8,707
    Cornerstone First Mortgage, Inc 3 5.42% $12,040
    FAY SERVICING, LLC 3 4.83% $12,402
    Blue Ridge Bank 3 4.25% $10,987
    BKCO MORTGAGE, LLC 3 4.67% $11,501
    Bell Bank 3 5.38% $11,127
    BELEM SERVICING LLC 3 6.92% $12,999
    AXIA FINANCIAL, LLC 3 4.88% $10,262
    GROUP MORTGAGE, LLC 3 4.83% $12,795
    GERSHMAN INVESTMENT CORP. 3 5.29% $11,432
    STEARNS LENDING, LLC 3 2.33% $9,519
    EMBRACE HOME LOANS, INC. 3 3.67% $15,280
    Franklin Loan Corporation 3 5.21% $18,552
    Texana Bank 3 3.79% $11,264
    Texas Mortgage Lending, LLC 3 6.29% $11,803
    The Huntington National Bank 3 5.13% $10,554
    Evolve Bank & Trust 3 6.17% $16,283
    Alcova Mortgage LLC 3 6.17% $14,760
    First Mortgage Solutions, LLC 3 3.25% $10,656
    First Horizon Bank 3 5.54% $10,950
    LENOX FINANCIAL MORTGAGE CORPORATION 3 4.21% $17,559
    First National Bank of Omaha 2 4.50% $10,023
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 2 4.50% $9,386
    American Momentum Bank 2 5.56% $9,855
    MEMBER HOME LOAN, L.L.C. 2 5.88% $10,013
    East Coast Capital Corp. 2 4.69% $14,740
    INTERCOASTAL MORTGAGE COMPANY 2 6.94% $11,358
    MY MORTGAGE, INC. 2 6.13% $12,948
    FirstBank 2 4.13% $12,032
    ONY GLO, INC. 2 5.31% $10,584
    FIDELITY BANK 2 4.63% $10,541
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 2 4.75% $11,818
    RADIUS FINANCIAL GROUP INC. 2 7.19% $16,320
    NORWICH COMMERCIAL GROUP, INC. 2 5.13% $10,701
    AMERIFIRST FINANCIAL CORPORATION 2 5.75% $12,175
    University Bank 2 5.88% $8,417
    First Federal Bank 2 4.19% $10,718
    Atlantic Coast Mortgage, LLC 2 4.81% $7,524
    FIRST COMMUNITY MORTGAGE, INC. 2 6.06% $17,028
    US MORTGAGE CORPORATION 2 4.69% $13,207
    Farmers & Stockmens Bank 2 4.44% $7,173
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.12% $10,126
    HOMEXPRESS MORTGAGE CORP. 2 5.75% $19,939
    COMPASS MORTGAGE, INC. 2 6.00% $11,808
    Specialized Loan Servicing LLC 2 3.31% $4,833
    NEXERA HOLDING LLC 2 4.88% $15,960
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 4.94% $9,715
    DEVELOPER'S MORTGAGE COMPANY 2 5.75% $11,050
    BAYSHORE MORTGAGE FUNDING, LLC 2 5.06% $9,504
    First State Bank of St. Charles, Missouri 2 4.13% $7,568
    BEST CAPITAL FUNDING 2 4.69% $8,298
    NP, Inc. 2 5.06% $7,419
    Prime Choice Funding Inc. 2 3.63% $14,212
    Chambers Bank 2 5.56% $11,929
    RUOFF MORTGAGE COMPANY, INC. 2 5.31% $11,683
    GUARANTY HOME MORTGAGE CORPORATION 2 4.94% $8,036
    PROPER RATE, LLC 2 4.81% $13,896
    CHAMPIONS MORTGAGE LLC 2 3.75% $10,688
    Midwest Community Bank 1 3.50% $10,149
    Kwik Mortgage Corporation 1 4.38% $16,827
    First Western Trust Bank 1 6.63% $13,666
    Community First National Bank 1 4.75% $9,558
    1ST 2ND MORTGAGE COMPANY OF N.J., INC. 1 4.50% $14,457
    MidFirst Bank 1 4.63% $10,601
    The Union Bank Company 1 4.75% $10,196
    THOMPSON KANE & COMPANY, LLC 1 5.63% $11,913
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 3.50% $8,567
    Comerica Bank 1 4.13% $9,996
    TOP FLITE FINANCIAL, INC. 1 4.75% $8,746
    Citibank 1 3.25% $5,042
    Meridian Bank Corporation 1 3.25% $11,973
    COMMUNITY MORTGAGE FUNDING, LLC 1 5.63% $9,066
    LADERA LENDING, INC. 1 4.13% $10,329
    Constant Investments, Inc. 1 5.63% $10,414
    UMB Bank 1 5.63% $11,612
    ALAMEDA MORTGAGE CORPORATION 1 5.50% $15,366
    FirstLight Federal Credit Union 1 3.25% $8,528
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.25% $18,678
    MDE Home Loans, LLC 1 3.50% $12,316
    LOANFLIGHT LENDING, LLC 1 6.63% $11,078
    MATTAMY HOME FUNDING, LLC 1 4.63% $27,612
    Marquette Bank 1 5.25% $4,021
    Acre Mortgage and Financial Inc 1 5.38% $14,825
    Access Community Credit Union 1 5.88% $6,738
    Axos Bank 1 4.88% $11,772
    Platinum Home Mortgage Corporation 1 5.99% $16,082
    Hancock Whitney Bank 1 4.13% $7,650
    Bank of Utah 1 3.75% $11,712
    HIGHLAND HOMELOANS, LLC 1 5.63% $17,844
    Presidential Bank, FSB 1 5.38% $12,017
    Access Bank 1 6.25% $7,131
    PINNACLE LENDING GROUP, INC. 1 4.62% $6,752
    HighTechLending Inc 1 5.25% $10,049
    Atlantic Union Bank 1 5.25% $5,712
    DSLD MORTGAGE, LLC 1 7.00% $4,688
    HOME APPROVALS DIRECT, INC. 1 4.50% $16,491
    EagleBank 1 5.13% $8,791
    Red River Bank 1 2.75% $7,597
    Academy Bank 1 3.50% $9,070
    HOME FUNDING CORPORATION 1 4.13% $10,619
    Renasant Bank 1 3.50% $9,427
    CUSTOMER SERVICE MORTGAGE CORPORATION 1 5.63% $19,876
    Residential Mortgage Solutions, Inc. 1 3.75% $9,694
    Home State Bank 1 5.63% $5,198
    Golden Empire Mortgage, Inc. 1 4.88% $20,837
    Armed Forces Bank 1 3.38% $5,383
    Cross Keys Bank 1 3.88% $11,971
    Firstar Bank 1 3.50% $6,644
    Credence Funding Corporation 1 2.50% $5,450
    First Bank 1 5.25% $10,593
    INLAND BANK & TRUST 1 6.63% $11,781
    Shamrock Home Loans, Inc. 1 4.75% $11,596
    INTELLILOAN, INC. 1 3.25% $2,331
    VISION ONE MORTGAGE, INC. 1 5.75% $15,277
    Cambria Financial Group, LLC 1 4.25% $13,053
    GEO-CORP, INC. 1 5.38% $15,115
    Capital Bank 1 5.50% $9,341
    INVESTEX CREDIT UNION 1 5.50% $5,753
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 5.75% $14,398
    EECU 1 5.63% $17,787
    STANDARD MORTGAGE CORPORATION 1 4.63% $13,025
    STARBOARD FINANCIAL MANAGEMENT, LLC 1 5.13% $15,330
    Inwood National Bank 1 5.88% $10,645
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.75% $22,611
    Luxury Mortgage Corp. 1 3.50% $15,564
    CITYWIDE HOME LOANS, LLC 1 5.63% $12,427
    Chickasaw Community Bank 1 4.88% $7,801
    Flanagan State Bank 1 7.13% $24,324
    AMERICAN FEDERAL MORTGAGE CORPORATION 1 5.63% $9,479
    JAMES B. NUTTER & COMPANY 1 5.25% $8,659
    WesBanco 1 5.50% $10,307

    The top Texas FHA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 5,831 FHA loans originated. Their average total fees are $10,425, which is $950 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Texas FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($3,350), CHERRY CREEK MORTGAGE, LLC ($4,735), Lakeview Community Capital, LLC ($5,353), LAKEVIEW LOAN SERVICING, LLC ($5,567) and Alliance Credit Union ($5,687).

    The lowest rate Texas FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (3.33%), LAKEVIEW LOAN SERVICING, LLC (3.35%), Lakeview Community Capital, LLC (3.40%), LOANPAL, LLC (3.65%) and Mr. Cooper ( Nationstar Mortgage ) (3.80%).

    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
    PALESTINE, TX ANDERSON 2023 $472,030 $604,400 $730,525 $907,900
    ANDREWS, TX ANDREWS 2023 $472,030 $604,400 $730,525 $907,900
    LUFKIN, TX ANGELINA 2023 $472,030 $604,400 $730,525 $907,900
    ROCKPORT, TX ARANSAS 2023 $472,030 $604,400 $730,525 $907,900
    WICHITA FALLS, TX ARCHER 2023 $472,030 $604,400 $730,525 $907,900
    AMARILLO, TX ARMSTRONG 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANTONIO-NEW BRAUNFELS, TX ATASCOSA 2023 $524,400 $671,300 $811,450 $1,008,450
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX AUSTIN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BAILEY 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANTONIO-NEW BRAUNFELS, TX BANDERA 2023 $524,400 $671,300 $811,450 $1,008,450
    AUSTIN-ROUND ROCK-GEORGETOWN, TX BASTROP 2023 $571,550 $731,700 $884,450 $1,099,150
    NON-METRO BAYLOR 2023 $472,030 $604,400 $730,525 $907,900
    BEEVILLE, TX BEE 2023 $472,030 $604,400 $730,525 $907,900
    KILLEEN-TEMPLE, TX BELL 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANTONIO-NEW BRAUNFELS, TX BEXAR 2023 $524,400 $671,300 $811,450 $1,008,450
    NON-METRO BLANCO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BORDEN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BOSQUE 2023 $472,030 $604,400 $730,525 $907,900
    TEXARKANA, TX-AR BOWIE 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX BRAZORIA 2023 $472,030 $604,400 $730,525 $907,900
    COLLEGE STATION-BRYAN, TX BRAZOS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BREWSTER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BRISCOE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BROOKS 2023 $472,030 $604,400 $730,525 $907,900
    BROWNWOOD, TX BROWN 2023 $472,030 $604,400 $730,525 $907,900
    COLLEGE STATION-BRYAN, TX BURLESON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BURNET 2023 $472,030 $604,400 $730,525 $907,900
    AUSTIN-ROUND ROCK-GEORGETOWN, TX CALDWELL 2023 $571,550 $731,700 $884,450 $1,099,150
    PORT LAVACA, TX CALHOUN 2023 $472,030 $604,400 $730,525 $907,900
    ABILENE, TX CALLAHAN 2023 $472,030 $604,400 $730,525 $907,900
    BROWNSVILLE-HARLINGEN, TX CAMERON 2023 $472,030 $604,400 $730,525 $907,900
    MOUNT PLEASANT, TX CAMP 2023 $472,030 $604,400 $730,525 $907,900
    AMARILLO, TX CARSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CASS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CASTRO 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX CHAMBERS 2023 $472,030 $604,400 $730,525 $907,900
    JACKSONVILLE, TX CHEROKEE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CHILDRESS 2023 $472,030 $604,400 $730,525 $907,900
    WICHITA FALLS, TX CLAY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COCHRAN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COKE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COLEMAN 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX COLLIN 2023 $531,300 $680,150 $822,150 $1,021,750
    NON-METRO COLLINGSWORTH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COLORADO 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANTONIO-NEW BRAUNFELS, TX COMAL 2023 $524,400 $671,300 $811,450 $1,008,450
    NON-METRO COMANCHE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CONCHO 2023 $472,030 $604,400 $730,525 $907,900
    GAINESVILLE, TX COOKE 2023 $472,030 $604,400 $730,525 $907,900
    KILLEEN-TEMPLE, TX CORYELL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO COTTLE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CRANE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CROCKETT 2023 $472,030 $604,400 $730,525 $907,900
    LUBBOCK, TX CROSBY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CULBERSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DALLAM 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX DALLAS 2023 $531,300 $680,150 $822,150 $1,021,750
    LAMESA, TX DAWSON 2023 $472,030 $604,400 $730,525 $907,900
    HEREFORD, TX DEAF SMITH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DELTA 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX DENTON 2023 $531,300 $680,150 $822,150 $1,021,750
    NON-METRO DEWITT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DICKENS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DIMMIT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DONLEY 2023 $472,030 $604,400 $730,525 $907,900
    ALICE, TX DUVAL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EASTLAND 2023 $472,030 $604,400 $730,525 $907,900
    ODESSA, TX ECTOR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EDWARDS 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX ELLIS 2023 $531,300 $680,150 $822,150 $1,021,750
    EL PASO, TX EL PASO 2023 $472,030 $604,400 $730,525 $907,900
    STEPHENVILLE, TX ERATH 2023 $472,030 $604,400 $730,525 $907,900
    WACO, TX FALLS 2023 $472,030 $604,400 $730,525 $907,900
    BONHAM, TX FANNIN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FAYETTE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FISHER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FLOYD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FOARD 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX FORT BEND 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FRANKLIN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO FREESTONE 2023 $472,030 $604,400 $730,525 $907,900
    PEARSALL, TX FRIO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GAINES 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX GALVESTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GARZA 2023 $472,030 $604,400 $730,525 $907,900
    FREDERICKSBURG, TX GILLESPIE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GLASSCOCK 2023 $472,030 $604,400 $730,525 $907,900
    VICTORIA, TX GOLIAD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GONZALES 2023 $472,030 $604,400 $730,525 $907,900
    PAMPA, TX GRAY 2023 $472,030 $604,400 $730,525 $907,900
    SHERMAN-DENISON, TX GRAYSON 2023 $472,030 $604,400 $730,525 $907,900
    LONGVIEW, TX GREGG 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO GRIMES 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANTONIO-NEW BRAUNFELS, TX GUADALUPE 2023 $524,400 $671,300 $811,450 $1,008,450
    PLAINVIEW, TX HALE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HALL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HAMILTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HANSFORD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HARDEMAN 2023 $472,030 $604,400 $730,525 $907,900
    BEAUMONT-PORT ARTHUR, TX HARDIN 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX HARRIS 2023 $472,030 $604,400 $730,525 $907,900
    LONGVIEW, TX HARRISON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HARTLEY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HASKELL 2023 $472,030 $604,400 $730,525 $907,900
    AUSTIN-ROUND ROCK-GEORGETOWN, TX HAYS 2023 $571,550 $731,700 $884,450 $1,099,150
    NON-METRO HEMPHILL 2023 $472,030 $604,400 $730,525 $907,900
    ATHENS, TX HENDERSON 2023 $472,030 $604,400 $730,525 $907,900
    MCALLEN-EDINBURG-MISSION, TX HIDALGO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HILL 2023 $472,030 $604,400 $730,525 $907,900
    LEVELLAND, TX HOCKLEY 2023 $472,030 $604,400 $730,525 $907,900
    GRANBURY, TX HOOD 2023 $472,030 $604,400 $730,525 $907,900
    SULPHUR SPRINGS, TX HOPKINS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HOUSTON 2023 $472,030 $604,400 $730,525 $907,900
    BIG SPRING, TX HOWARD 2023 $472,030 $604,400 $730,525 $907,900
    EL PASO, TX HUDSPETH 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX HUNT 2023 $531,300 $680,150 $822,150 $1,021,750
    BORGER, TX HUTCHINSON 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANGELO, TX IRION 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JACK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JACKSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JASPER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JEFF DAVIS 2023 $472,030 $604,400 $730,525 $907,900
    BEAUMONT-PORT ARTHUR, TX JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO JIM HOGG 2023 $472,030 $604,400 $730,525 $907,900
    ALICE, TX JIM WELLS 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX JOHNSON 2023 $531,300 $680,150 $822,150 $1,021,750
    ABILENE, TX JONES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO KARNES 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX KAUFMAN 2023 $531,300 $680,150 $822,150 $1,021,750
    SAN ANTONIO-NEW BRAUNFELS, TX KENDALL 2023 $524,400 $671,300 $811,450 $1,008,450
    KINGSVILLE, TX KENEDY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO KENT 2023 $472,030 $604,400 $730,525 $907,900
    KERRVILLE, TX KERR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO KIMBLE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO KING 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO KINNEY 2023 $472,030 $604,400 $730,525 $907,900
    KINGSVILLE, TX KLEBERG 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO KNOX 2023 $472,030 $604,400 $730,525 $907,900
    PARIS, TX LAMAR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LAMB 2023 $472,030 $604,400 $730,525 $907,900
    KILLEEN-TEMPLE, TX LAMPASAS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LA SALLE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LAVACA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LEE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LEON 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX LIBERTY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LIMESTONE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LIPSCOMB 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LIVE OAK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LLANO 2023 $472,030 $604,400 $730,525 $907,900
    PECOS, TX LOVING 2023 $472,030 $604,400 $730,525 $907,900
    LUBBOCK, TX LUBBOCK 2023 $472,030 $604,400 $730,525 $907,900
    LUBBOCK, TX LYNN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MCCULLOCH 2023 $472,030 $604,400 $730,525 $907,900
    WACO, TX MCLENNAN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MCMULLEN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MADISON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MARION 2023 $472,030 $604,400 $730,525 $907,900
    MIDLAND, TX MARTIN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MASON 2023 $472,030 $604,400 $730,525 $907,900
    BAY CITY, TX MATAGORDA 2023 $472,030 $604,400 $730,525 $907,900
    EAGLE PASS, TX MAVERICK 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANTONIO-NEW BRAUNFELS, TX MEDINA 2023 $524,400 $671,300 $811,450 $1,008,450
    NON-METRO MENARD 2023 $472,030 $604,400 $730,525 $907,900
    MIDLAND, TX MIDLAND 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MILAM 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MILLS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MITCHELL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MONTAGUE 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX MONTGOMERY 2023 $472,030 $604,400 $730,525 $907,900
    DUMAS, TX MOORE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MORRIS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MOTLEY 2023 $472,030 $604,400 $730,525 $907,900
    NACOGDOCHES, TX NACOGDOCHES 2023 $472,030 $604,400 $730,525 $907,900
    CORSICANA, TX NAVARRO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO NEWTON 2023 $472,030 $604,400 $730,525 $907,900
    SWEETWATER, TX NOLAN 2023 $472,030 $604,400 $730,525 $907,900
    CORPUS CHRISTI, TX NUECES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO OCHILTREE 2023 $472,030 $604,400 $730,525 $907,900
    AMARILLO, TX OLDHAM 2023 $472,030 $604,400 $730,525 $907,900
    BEAUMONT-PORT ARTHUR, TX ORANGE 2023 $472,030 $604,400 $730,525 $907,900
    MINERAL WELLS, TX PALO PINTO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PANOLA 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX PARKER 2023 $531,300 $680,150 $822,150 $1,021,750
    NON-METRO PARMER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PECOS 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO POLK 2023 $472,030 $604,400 $730,525 $907,900
    AMARILLO, TX POTTER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PRESIDIO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RAINS 2023 $472,030 $604,400 $730,525 $907,900
    AMARILLO, TX RANDALL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO REAGAN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO REAL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RED RIVER 2023 $472,030 $604,400 $730,525 $907,900
    PECOS, TX REEVES 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO REFUGIO 2023 $472,030 $604,400 $730,525 $907,900
    PAMPA, TX ROBERTS 2023 $472,030 $604,400 $730,525 $907,900
    COLLEGE STATION-BRYAN, TX ROBERTSON 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX ROCKWALL 2023 $531,300 $680,150 $822,150 $1,021,750
    NON-METRO RUNNELS 2023 $472,030 $604,400 $730,525 $907,900
    LONGVIEW, TX RUSK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SABINE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SAN AUGUSTINE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SAN JACINTO 2023 $472,030 $604,400 $730,525 $907,900
    CORPUS CHRISTI, TX SAN PATRICIO 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SAN SABA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SCHLEICHER 2023 $472,030 $604,400 $730,525 $907,900
    SNYDER, TX SCURRY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SHACKELFORD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SHELBY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SHERMAN 2023 $472,030 $604,400 $730,525 $907,900
    TYLER, TX SMITH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SOMERVELL 2023 $472,030 $604,400 $730,525 $907,900
    RIO GRANDE CITY-ROMA, TX STARR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO STEPHENS 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANGELO, TX STERLING 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO STONEWALL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SUTTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SWISHER 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX TARRANT 2023 $531,300 $680,150 $822,150 $1,021,750
    ABILENE, TX TAYLOR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TERRELL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TERRY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO THROCKMORTON 2023 $472,030 $604,400 $730,525 $907,900
    MOUNT PLEASANT, TX TITUS 2023 $472,030 $604,400 $730,525 $907,900
    SAN ANGELO, TX TOM GREEN 2023 $472,030 $604,400 $730,525 $907,900
    AUSTIN-ROUND ROCK-GEORGETOWN, TX TRAVIS 2023 $571,550 $731,700 $884,450 $1,099,150
    NON-METRO TRINITY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO TYLER 2023 $472,030 $604,400 $730,525 $907,900
    LONGVIEW, TX UPSHUR 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO UPTON 2023 $472,030 $604,400 $730,525 $907,900
    UVALDE, TX UVALDE 2023 $472,030 $604,400 $730,525 $907,900
    DEL RIO, TX VAL VERDE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO VAN ZANDT 2023 $472,030 $604,400 $730,525 $907,900
    VICTORIA, TX VICTORIA 2023 $472,030 $604,400 $730,525 $907,900
    HUNTSVILLE, TX WALKER 2023 $472,030 $604,400 $730,525 $907,900
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX WALLER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WARD 2023 $472,030 $604,400 $730,525 $907,900
    BRENHAM, TX WASHINGTON 2023 $472,030 $604,400 $730,525 $907,900
    LAREDO, TX WEBB 2023 $472,030 $604,400 $730,525 $907,900
    EL CAMPO, TX WHARTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WHEELER 2023 $472,030 $604,400 $730,525 $907,900
    WICHITA FALLS, TX WICHITA 2023 $472,030 $604,400 $730,525 $907,900
    VERNON, TX WILBARGER 2023 $472,030 $604,400 $730,525 $907,900
    RAYMONDVILLE, TX WILLACY 2023 $472,030 $604,400 $730,525 $907,900
    AUSTIN-ROUND ROCK-GEORGETOWN, TX WILLIAMSON 2023 $571,550 $731,700 $884,450 $1,099,150
    SAN ANTONIO-NEW BRAUNFELS, TX WILSON 2023 $524,400 $671,300 $811,450 $1,008,450
    NON-METRO WINKLER 2023 $472,030 $604,400 $730,525 $907,900
    DALLAS-FORT WORTH-ARLINGTON, TX WISE 2023 $531,300 $680,150 $822,150 $1,021,750
    NON-METRO WOOD 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO YOAKUM 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO YOUNG 2023 $472,030 $604,400 $730,525 $907,900
    ZAPATA, TX ZAPATA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO ZAVALA 2023 $472,030 $604,400 $730,525 $907,900

    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).