Texas Mortgage Guides 2026
Compare Texas home loans — FHA limits by metro area, TDHCA and TSAHC down payment assistance programs, USDA rural loans, VA resources for Texas military, and a complete closing cost breakdown — all in one place.
Everything You Need for a Texas Home Purchase
Six in-depth guides covering every aspect of getting Texas home loans — from loan program selection to what you’ll pay at closing.
Texas home loans vary widely depending on where you’re buying and how you plan to use the property. Because Texas is one of the largest and most diverse housing markets in the country — spanning major metros like Houston, Dallas-Fort Worth, Austin, and San Antonio, plus rural communities across the state — the right loan program often comes down to location, budget, and eligibility. The guides below cover each Texas home loan option in detail, from initial qualification through closing, so you can compare programs side by side and choose the path that fits your situation.
Texas Mortgage Guide
FHA loan limits by metro area, loan program comparison, property tax overview, and how the Texas housing market affects your financing options.
Read guide →Texas First-Time Home Buyer Guide
TDHCA My First Texas Home, TSAHC Homes for Texas Heroes, the Texas MCC tax credit, and the Texas Veterans Land Board — compared side by side.
Read guide →Texas FHA Loan Requirements
2026 FHA limits for Dallas-Fort Worth ($563,500), Austin ($571,550), San Antonio ($557,750), and all other Texas counties ($541,287).
Read guide →Texas VA Loan Requirements
VA entitlement, 2026 funding fee chart, and the Texas VLB below-market rate program for Fort Cavazos, Fort Bliss, and JBSA veterans.
Read guide →Texas USDA Loans
2026 USDA income limits for every Texas region, eligible areas across rural Texas, and how zero-down USDA compares to FHA for rural buyers.
Read guide →Texas Closing Costs Guide
State-promulgated title insurance rates, the Texas survey requirement, property tax prorations, and a complete fee-by-fee breakdown for buyers.
Read guide →Key Texas Mortgage Facts
FHA Loan Limits
- Most TX counties: $541,287
- San Antonio MSA: $557,750
- Dallas-Fort Worth MSA: $563,500
- Austin-Round Rock MSA: $571,550
- Houston: at standard floor ($541,287)
Down Payment Assistance
- TDHCA My First Texas Home: up to 5% DPA
- TSAHC Homes for Texas Heroes: up to 5% as grant
- Texas MCC: up to $2,000/yr federal tax credit
- Texas VLB: below-market rate for veterans
- Min credit score: 620 for most programs
USDA Income Limits (2026)
- Most rural TX counties: ~$110,650 / ~$146,050
- Houston outer suburbs: ~$112,450 / ~$148,450
- DFW outer areas: ~$114,650 / ~$151,350
- Austin-adjacent: ~$116,700 / ~$154,050
- Format: 1–4 person / 5–8 person
Closing Cost Highlights
- No state transfer tax on deeds
- Survey required: $400–$700
- Title insurance: state-promulgated rates
- Property tax proration: significant at closing
- Homestead exemption: $100,000 school district reduction
Buying or Refinancing in Texas?
Texas home loans have unique requirements — mandatory surveys, high property tax escrows, state-specific DPA programs, and a dual veteran loan system. A licensed Texas mortgage advisor can help you navigate all of it.
- ✓ Compare TDHCA vs. TSAHC programs for your situation
- ✓ Understand your property tax escrow impact on qualifying
- ✓ Check VA vs. Texas VLB options for veterans
- ✓ Estimate total cash needed including survey and reserves
Coming soon · No obligation · Educational first
Texas Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Texas is on our expansion list. In the meantime, our Texas guides and the official program links above have everything you need to research your purchase.
Join the Texas Waitlist