More Counties Than Any State, and Exactly One Loan Limit
Program and regulatory figures verified October 10, 2026. Details change; confirm your scenario with us.
A short page, because Texas has one number. The useful part is what that means compared with the state we built immediately before this one.
The number
| Units | 2026 limit | Applies to |
|---|---|---|
| One | $832,750 | ★ all 254 Texas counties |
Parsed from the FHFA conforming-loan-limit data county file rather than read from a summary. Every Texas row carries the same figure.
★★ The contrast that makes this worth a page
Texas has 254 counties, more than any other state, and one loan limit. California has 58 counties and nine different limits, from $832,750 to $1,249,125.
★★ So the advice inverts completely. In California, "check your county" decides whether agency rules apply at all. In Texas the answer is the same everywhere, and the county question that does matter is a different one: which appraisal district administers your homestead exemption. That question.
★★ And the limit is not close to binding
The dearest Texas metro in the series is Fredericksburg at $514,969. Austin is $417,977, Dallas $360,437, Houston $305,001.
★★★ Every one of those is comfortably under $832,750, which means a typical Texas buyout can be an agency loan, so the limited cash-out treatment, the on-title exception and the rest of the agency provisions actually apply. ★★ In California the typical San Jose home is $1,527,731, above even the highest conforming limit in the country, so a typical Silicon Valley buyout starts outside those rules. Texas buyers are in a much better position on that specific point. What the agency rules give you.
★ As always the test is the loan amount, not the metro average. A large Texas buyout can still exceed the limit and become jumbo, priced by investor overlays we do not publish.
Multi-unit
$832,750 is the one-unit figure. Two-, three- and four-unit properties carry higher limits in the same FHFA file. Ask and we will pull the full set.
★ What actually decides a Texas buyout file
- ★★★ Which constitutional subsection the lien falls under: a question for your attorney. (a)(3) or (a)(6)
- ★★ The deed date, for the agency twelve-month condition.
- ★★ The division figure, which is "just and right" rather than half. Why
- ★★ The escrowed property tax, which on a Texas file is a large share of the payment. The exemption
- Income against that payment, on one income.
Mike Certo, NMLS #260555. (480) 296-6513 · mcerto@cfmtg.com.
Frequently asked questions
What is the conforming loan limit in Texas for 2026?
All 254 Texas counties carry a one-unit limit of $832,750, and Texas has no high-cost county. Texas has more counties than any other state and a single limit, where California has fifty-eight counties and nine different limits.Does my Texas county affect the loan limit?
No. The figure is identical in all 254 counties. The county question that does matter in Texas is which appraisal district administers your residence homestead exemption.Will a Texas divorce buyout be a jumbo loan?
Usually not. The dearest Texas metro in the Zillow series is Fredericksburg at $514,969, and Austin, Dallas and Houston are all well under the $832,750 limit, so a typical Texas buyout can be an agency loan. The test is the loan amount rather than the metro average.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about mortgage financing during and after a divorce. Not a loan commitment, and not legal, tax or financial advice. Cornerstone First Mortgage is a lender; it is not a law firm, does not represent any party to a dissolution, does not make attorney referrals, takes no position on how property should be divided, and does not advise on how an owelty of partition should be documented or closed. Texas homestead and property-division rules are set by the Texas Constitution and the Family Code and applied by the courts; homestead tax exemptions are administered by county appraisal districts. Agency requirements described here are Fannie Mae Selling Guide provisions current as of the date shown and are subject to change and to lender overlays. Housing market figures describe the twelve months to August 2026 and are not a forecast. All loans are subject to borrower, property and program qualification.