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 6.17% 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).