FHA Loans in Texas | Fast Close Mortgage

FHA Loans in Texas — 2026 Limits & How to Apply

Looking for FHA Loans in Texas? Fast Close Mortgage is a Texas-licensed mortgage lender offering fha loans with closing timelines as fast as 7 days. Whether you’re in Houston, Austin, or anywhere else in Texas, our team can help you get approved quickly and close on a competitive fha loans rate. Texas has no state income tax, which helps FHA buyers qualify at higher DTI. Many TX metros have FHA loan limits at the floor ($524,225). Texas property tax rates are among the highest in the U.S., so escrow calculations factor prominently.

2026 FHA Loans Loan Limits in Texas

The 2026 FHA loan limit in Texas is $524,225 for most counties and up to $786,750 in higher-cost areas. Counties at the high-cost limit include Bexar, Collin, Dallas, Denton, Fort Bend, Harris, Hays, Montgomery, Rockwall, Tarrant, Travis, Williamson. The FHA loan limit applies to single-family homes; multi-family limits scale up (2-unit $671,008, 3-unit $812,549, 4-unit $1,006,512 for Texas).

These limits matter because they determine the maximum mortgage you can finance through the FHA program. In Texas where the average home price is approximately $380,000, FHA financing covers a meaningful share of the market. Texas buyers using FHA financing can qualify for properties well above the state median home price in high-cost counties.

What credit score do you need for FHA Loans in Texas?

The minimum credit score for FHA Loans in Texas is 580 for 3.5% down. Borrowers with credit scores below 580 (down to 500) can still qualify with 10% down. Most Texas lenders prefer 580+ for the best pricing.

For Texas buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. Texas buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for Texas buyers across the credit spectrum.

How fast can I close FHA Loans in Texas?

Fast Close Mortgage closes most Texas FHA loans in 7 to 14 days from a clean approved application. Texas FHA closings can take up to 21 days if there are appraisal delays or county-specific requirements. We work with appraisers familiar with Texas-specific valuation requirements and can often expedite the appraisal process.

Why choose Fast Close Mortgage for FHA Loans in Texas?

Fast Close Mortgage is a Texas-licensed mortgage lender offering FHA Loans with closing timelines as fast as 7 days. Here’s why Texas buyers choose us:

Licensed in all 50 states. We serve Texas buyers plus 49 other states with consistent service and pricing.
Dedicated Texas loan officer. Each Texas borrower is assigned a local loan officer who understands Texas-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most Texas FHA Loans close in 7 to 21 days, depending on the loan type.

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Texas FHA Loans FAQ

The 2026 FHA loan limit in Texas is $524,225 in most counties and up to $786,750 in higher-cost metros including Dallas, Fort Worth, Houston, Austin, San Antonio, and surrounding counties. Texas has the highest number of FHA-eligible borrowers of any state, and most buyers use these limits for primary residence purchases.

Fast Close Mortgage closes most FHA loans in Texas in 7 to 14 days. Texas has a streamlined title process and a robust appraiser network, which helps us move quickly. In rural Texas counties, appraisal turnaround can add 3 to 5 days.

Yes — FHA loans in Texas can finance manufactured homes that meet FHA standards (permanent foundation, HUD data plate, eligible land). Many rural Texas counties are also USDA-eligible, which may offer better terms for manufactured homes.

FHA loans in Texas require a minimum credit score of 580 for 3.5% down, or 500-579 with 10% down. Most TX lenders prefer 580+ for best pricing. We work with lenders who accept down to 500 in some cases with compensating factors.

Yes — FHA loans are available throughout Texas including Houston, Dallas, Fort Worth, Austin, San Antonio, and all major metros. Harris, Dallas, Tarrant, Bexar, Travis, and Williamson counties have the higher 2026 FHA loan limit of $786,750.

2026 FHA Loans limits in Texas

$2,000,000 statewide. Texas has the highest VA loan volume of any state.

What credit score do you need for FHA Loans in Texas?

620 minimum for 0% down VA loan; lenders often prefer 660+ for best pricing.

How fast can I close FHA Loans in Texas?

14–21 days for most Texas VA loans. VA appraisal + NOV adds 1–2 weeks.

Why choose Fast Close Mortgage for FHA Loans in Texas?

Fast Close Mortgage is Texas-licensed; we work with VA-approved appraisers statewide.

FHA Loans FAQ

What is the minimum credit score for FHA loans?

580 for 3.5% down; 500–579 with 10% down. Most lenders prefer 620+.

How long does it take to close an FHA loan?

14–30 days typically. FHA appraisal can add 5–7 days.

What is the FHA mortgage insurance premium (MIP)?

MIP is required on all FHA loans. It is 1.75% upfront plus 0.55% annual for most loans with LTV > 90%.

Can I use gift funds for the down payment on an FHA loan?

Yes. FHA allows the entire 3.5% down payment to come from an approved gift donor (relative, employer, or approved nonprofit).

Other states

Fast Close Mortgage is licensed in Texas and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.