FHA loans in Texas

By

Sarah Li Cain

Contributed by Tom McLean

Feb 1, 2026

•

13-minute read

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Texas has one of the most populous states in the nation, with 29.1 million people calling the Lone Star State home, per the U.S. Census. One of the attractions of Texas is that housing costs are relatively affordable. The median home price in Texas in December 2025 is $340,800, according to Redfin. That's 20% less than the national median of $428,275. Still, buying can feel out of reach if you have limited savings for a down payment or a lower credit score.

An FHA loan can help, with lenient credit requirements, low down payment options, and competitive mortgage rates. FHA loans also allow aspiring home buyers to use down payment assistance programs.

What are FHA loans?

FHA loans are government-backed mortgages for borrowers that offer low down payments, low closing costs, and easy credit qualification. FHA loans in Texas are insured by the Federal Housing Administration, which means the agency reimburses lenders if the borrower defaults. This backing helps lenders offer FHA loans to borrowers who may not qualify for a conventional loan.

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How do FHA loans work?

FHA loans have specific rules that help make them more accessible than many conventional options. FHA loan requirements in Texas include steady income, a minimum credit score, a minimum down payment, property requirements, and a maximum loan amount that varies by county. FHA loan rates are competitive and often lower than for other loan types.

FHA loan limits are set each year by the Department of Housing and Urban Development, and vary by county within each state, including Texas.

A Texas FHA loan can be used to buy various property unit types from single-family homes to multifamily properties with up to 4 units, including houses, condominiums, townhouses, and mobile or manufactured homes.

Properties must meet FHA guidelines, and borrowers must pay an up-front and an annual mortgage insurance premium (MIP). This insurance protects the lender if the borrower defaults and is part of what allows lenders to approve buyers with lower credit scores or smaller down payments.

Anyone who meets the requirements and agrees to live in the home they're buying as their primary residence can qualify for an FHA loan.

FHA also offers 203(k) rehab loans, which provide financing for home renovations and repairs. Rocket Mortgage currently does not offer FHA 203(k) loans.

FHA loans can also be used to refinance. Refinancing might help you lower your interest rate, reduce your monthly payment, or switch from an adjustable-rate to a fixed-rate mortgage.

FHA refinancing options include:

For veterans and service members, additional refinance programs may be available through VA loan options.

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How 2026 FHA loan limits work in Texas

FHA loan limits change every year, and limits in Texas vary by county based on local housing prices. Areas with higher home values qualify for higher limits, while lower-cost counties stay closer to the national floor.

The limits are based on median home prices in each county, up to 150% of the national conforming loan limit. Exceptions are made for homes in Alaska, Hawaii, Guam, and the U.S. Virgin Islands due to the higher construction costs.

For 2026, the FHA loan limits for a one-unit home range from $541,287 in low-cost areas to $1,249,125 in high-cost counties.

Here are the FHA loan limits by county in Texas for buying 1- to 4-unit homes.

County name

One-unit

Two-unit

Three-unit

Four-unit

Anderson

$541,287

$693,050

$837,700

$1,041,125

Andrews

$541,287

$693,050

$837,700

$1,041,125

Angelina

$541,287

$693,050

$837,700

$1,041,125

Aransas

$541,287

$693,050

$837,700

$1,041,125

Archer

$541,287

$693,050

$837,700

$1,041,125

Armstrong

$541,287

$693,050

$837,700

$1,041,125

Atascosa

$557,750

$714,000

$863,100

$1,072,600

Austin

$541,287

$693,050

$837,700

$1,041,125

Bailey

$541,287

$693,050

$837,700

$1,041,125

Bandera

$557,750

$714,000

$863,100

$1,072,600

Bastrop

$571,550

$731,700

$884,450

$1,099,150

Baylor

$541,287

$693,050

$837,700

$1,041,125

Bee

$541,287

$693,050

$837,700

$1,041,125

Bell

$541,287

$693,050

$837,700

$1,041,125

Bexar

$557,750

$714,000

$863,100

$1,072,600

Blanco

$541,287

$693,050

$837,700

$1,041,125

Borden

$541,287

$693,050

$837,700

$1,041,125

Bosque

$541,287

$693,050

$837,700

$1,041,125

Bowie

$541,287

$693,050

$837,700

$1,041,125

Brazoria

$541,287

$693,050

$837,700

$1,041,125

Brazos

$541,287

$693,050

$837,700

$1,041,125

Brewster

$541,287

$693,050

$837,700

$1,041,125

Briscoe

$541,287

$693,050

$837,700

$1,041,125

Brooks

$541,287

$693,050

$837,700

$1,041,125

Brown

$541,287

$693,050

$837,700

$1,041,125

Burleson

$541,287

$693,050

$837,700

$1,041,125

Burnet

$541,287

$693,050

$837,700

$1,041,125

Caldwell

$571,550

$731,700

$884,450

$1,099,150

Calhoun

$541,287

$693,050

$837,700

$1,041,125

Callahan

$541,287

$693,050

$837,700

$1,041,125

Cameron

$541,287

$693,050

$837,700

$1,041,125

Camp

$541,287

$693,050

$837,700

$1,041,125

Carson

$541,287

$693,050

$837,700

$1,041,125

Cass

$541,287

$693,050

$837,700

$1,041,125

Castro

$541,287

$693,050

$837,700

$1,041,125

Chambers

$541,287

$693,050

$837,700

$1,041,125

Cherokee

$541,287

$693,050

$837,700

$1,041,125

Childress

$541,287

$693,050

$837,700

$1,041,125

Clay

$541,287

$693,050

$837,700

$1,041,125

Cochran

$541,287

$693,050

$837,700

$1,041,125

Coke

$541,287

$693,050

$837,700

$1,041,125

Coleman

$541,287

$693,050

$837,700

$1,041,125

Collin

$563,500

$721,400

$872,000

$1,083,650

Collingsworth

$541,287

$693,050

$837,700

$1,041,125

Colorado

$541,287

$693,050

$837,700

$1,041,125

Comal

$557,750

$714,000

$863,100

$1,072,600

Comanche

$541,287

$693,050

$837,700

$1,041,125

Concho

$541,287

$693,050

$837,700

$1,041,125

Cooke

$541,287

$693,050

$837,700

$1,041,125

Coryell

$541,287

$693,050

$837,700

$1,041,125

Cottle

$541,287

$693,050

$837,700

$1,041,125

Crane

$541,287

$693,050

$837,700

$1,041,125

Crockett

$541,287

$693,050

$837,700

$1,041,125

Crosby

$541,287

$693,050

$837,700

$1,041,125

Culberson

$541,287

$693,050

$837,700

$1,041,125

Dallam

$541,287

$693,050

$837,700

$1,041,125

Dallas

$563,500

$721,400

$872,000

$1,083,650

Dawson

$541,287

$693,050

$837,700

$1,041,125

Deaf Smith

$541,287

$693,050

$837,700

$1,041,125

Delta

$541,287

$693,050

$837,700

$1,041,125

Denton

$563,500

$721,400

$872,000

$1,083,650

Dewitt

$541,287

$693,050

$837,700

$1,041,125

Dickens

$541,287

$693,050

$837,700

$1,041,125

Dimmit

$541,287

$693,050

$837,700

$1,041,125

Donley

$541,287

$693,050

$837,700

$1,041,125

Duval

$541,287

$693,050

$837,700

$1,041,125

Eastland

$541,287

$693,050

$837,700

$1,041,125

Ector

$541,287

$693,050

$837,700

$1,041,125

Edwards

$541,287

$693,050

$837,700

$1,041,125

El Paso

$541,287

$693,050

$837,700

$1,041,125

Ellis

$563,500

$721,400

$872,000

$1,083,650

Erath

$541,287

$693,050

$837,700

$1,041,125

Falls

$541,287

$693,050

$837,700

$1,041,125

Fannin

$541,287

$693,050

$837,700

$1,041,125

Fayette

$541,287

$693,050

$837,700

$1,041,125

Fisher

$541,287

$693,050

$837,700

$1,041,125

Floyd

$541,287

$693,050

$837,700

$1,041,125

Foard

$541,287

$693,050

$837,700

$1,041,125

Fort Bend

$541,287

$693,050

$837,700

$1,041,125

Franklin

$541,287

$693,050

$837,700

$1,041,125

Freestone

$541,287

$693,050

$837,700

$1,041,125

Frio

$541,287

$693,050

$837,700

$1,041,125

Gaines

$541,287

$693,050

$837,700

$1,041,125

Galveston

$541,287

$693,050

$837,700

$1,041,125

Garza

$541,287

$693,050

$837,700

$1,041,125

Gillespie

$541,287

$693,050

$837,700

$1,041,125

Glasscock

$813,050

$1,040,850

$1,258,150

$1,563,600

Goliad

$541,287

$693,050

$837,700

$1,041,125

Gonzales

$541,287

$693,050

$837,700

$1,041,125

Gray

$541,287

$693,050

$837,700

$1,041,125

Grayson

$541,287

$693,050

$837,700

$1,041,125

Gregg

$541,287

$693,050

$837,700

$1,041,125

Grimes

$541,287

$693,050

$837,700

$1,041,125

Guadalupe

$557,750

$714,000

$863,100

$1,072,600

Hale

$541,287

$693,050

$837,700

$1,041,125

Hall

$541,287

$693,050

$837,700

$1,041,125

Hamilton

$541,287

$693,050

$837,700

$1,041,125

Hansford

$541,287

$693,050

$837,700

$1,041,125

Hardeman

$541,287

$693,050

$837,700

$1,041,125

Hardin

$541,287

$693,050

$837,700

$1,041,125

Harris

$541,287

$693,050

$837,700

$1,041,125

Harrison

$541,287

$693,050

$837,700

$1,041,125

Hartley

$541,287

$693,050

$837,700

$1,041,125

Haskell

$541,287

$693,050

$837,700

$1,041,125

Hays

$571,550

$731,700

$884,450

$1,099,150

Hemphill

$541,287

$693,050

$837,700

$1,041,125

Henderson

$541,287

$693,050

$837,700

$1,041,125

Hidalgo

$541,287

$693,050

$837,700

$1,041,125

Hill

$541,287

$693,050

$837,700

$1,041,125

Hockley

$541,287

$693,050

$837,700

$1,041,125

Hood

$541,287

$693,050

$837,700

$1,041,125

Hopkins

$541,287

$693,050

$837,700

$1,041,125

Houston

$541,287

$693,050

$837,700

$1,041,125

Howard

$541,287

$693,050

$837,700

$1,041,125

Hudspeth

$541,287

$693,050

$837,700

$1,041,125

Hunt

$563,500

$721,400

$872,000

$1,083,650

Hutchinson

$541,287

$693,050

$837,700

$1,041,125

Irion

$541,287

$693,050

$837,700

$1,041,125

Jack

$541,287

$693,050

$837,700

$1,041,125

Jackson

$541,287

$693,050

$837,700

$1,041,125

Jasper

$541,287

$693,050

$837,700

$1,041,125

Jeff Davis

$541,287

$693,050

$837,700

$1,041,125

Jefferson

$541,287

$693,050

$837,700

$1,041,125

Jim Hogg

$541,287

$693,050

$837,700

$1,041,125

Jim Wells

$541,287

$693,050

$837,700

$1,041,125

Johnson

$563,500

$721,400

$872,000

$1,083,650

Jones

$541,287

$693,050

$837,700

$1,041,125

Karnes

$541,287

$693,050

$837,700

$1,041,125

Kaufman

$563,500

$721,400

$872,000

$1,083,650

Kendall

$557,750

$714,000

$863,100

$1,072,600

Kenedy

$541,287

$693,050

$837,700

$1,041,125

Kent

$541,287

$693,050

$837,700

$1,041,125

Kerr

$541,287

$693,050

$837,700

$1,041,125

Kimble

$541,287

$693,050

$837,700

$1,041,125

King

$541,287

$693,050

$837,700

$1,041,125

Kinney

$541,287

$693,050

$837,700

$1,041,125

Kleberg

$541,287

$693,050

$837,700

$1,041,125

Knox

$541,287

$693,050

$837,700

$1,041,125

La Salle

$541,287

$693,050

$837,700

$1,041,125

Lamar

$541,287

$693,050

$837,700

$1,041,125

Lamb

$541,287

$693,050

$837,700

$1,041,125

Lampasas

$541,287

$693,050

$837,700

$1,041,125

Lavaca

$541,287

$693,050

$837,700

$1,041,125

Lee

$541,287

$693,050

$837,700

$1,041,125

Leon

$541,287

$693,050

$837,700

$1,041,125

Liberty

$541,287

$693,050

$837,700

$1,041,125

Limestone

$541,287

$693,050

$837,700

$1,041,125

Lipscomb

$541,287

$693,050

$837,700

$1,041,125

Live Oak

$541,287

$693,050

$837,700

$1,041,125

Llano

$541,287

$693,050

$837,700

$1,041,125

Loving

$541,287

$693,050

$837,700

$1,041,125

Lubbock

$541,287

$693,050

$837,700

$1,041,125

Lynn

$541,287

$693,050

$837,700

$1,041,125

Madison

$541,287

$693,050

$837,700

$1,041,125

Marion

$541,287

$693,050

$837,700

$1,041,125

Martin

$541,287

$693,050

$837,700

$1,041,125

Mason

$541,287

$693,050

$837,700

$1,041,125

Matagorda

$541,287

$693,050

$837,700

$1,041,125

Maverick

$541,287

$693,050

$837,700

$1,041,125

McCulloch

$541,287

$693,050

$837,700

$1,041,125

McLennan

$541,287

$693,050

$837,700

$1,041,125

Mcmullen

$541,287

$693,050

$837,700

$1,041,125

Medina

$557,750

$714,000

$863,100

$1,072,600

Menard

$541,287

$693,050

$837,700

$1,041,125

Midland

$541,287

$693,050

$837,700

$1,041,125

Milam

$541,287

$693,050

$837,700

$1,041,125

Mills

$541,287

$693,050

$837,700

$1,041,125

Mitchell

$541,287

$693,050

$837,700

$1,041,125

Montague

$541,287

$693,050

$837,700

$1,041,125

Montgomery

$541,287

$693,050

$837,700

$1,041,125

Moore

$541,287

$693,050

$837,700

$1,041,125

Morris

$541,287

$693,050

$837,700

$1,041,125

Motley

$541,287

$693,050

$837,700

$1,041,125

Nacogdoches

$541,287

$693,050

$837,700

$1,041,125

Navarro

$541,287

$693,050

$837,700

$1,041,125

Newton

$541,287

$693,050

$837,700

$1,041,125

Nolan

$541,287

$693,050

$837,700

$1,041,125

Nueces

$541,287

$693,050

$837,700

$1,041,125

Ochiltree

$541,287

$693,050

$837,700

$1,041,125

Oldham

$541,287

$693,050

$837,700

$1,041,125

Orange

$541,287

$693,050

$837,700

$1,041,125

Palo Pinto

$541,287

$693,050

$837,700

$1,041,125

Panola

$541,287

$693,050

$837,700

$1,041,125

Parker

$563,500

$721,400

$872,000

$1,083,650

Parmer

$541,287

$693,050

$837,700

$1,041,125

Pecos

$541,287

$693,050

$837,700

$1,041,125

Polk

$541,287

$693,050

$837,700

$1,041,125

Potter

$541,287

$693,050

$837,700

$1,041,125

Presidio

$541,287

$693,050

$837,700

$1,041,125

Rains

$541,287

$693,050

$837,700

$1,041,125

Randall

$541,287

$693,050

$837,700

$1,041,125

Reagan

$541,287

$693,050

$837,700

$1,041,125

Real

$541,287

$693,050

$837,700

$1,041,125

Red River

$541,287

$693,050

$837,700

$1,041,125

Reeves

$541,287

$693,050

$837,700

$1,041,125

Refugio

$541,287

$693,050

$837,700

$1,041,125

Roberts

$541,287

$693,050

$837,700

$1,041,125

Robertson

$541,287

$693,050

$837,700

$1,041,125

Rockwall

$563,500

$721,400

$872,000

$1,083,650

Runnels

$541,287

$693,050

$837,700

$1,041,125

Rusk

$541,287

$693,050

$837,700

$1,041,125

Sabine

$541,287

$693,050

$837,700

$1,041,125

San Augustine

$541,287

$693,050

$837,700

$1,041,125

San Jacinto

$541,287

$693,050

$837,700

$1,041,125

San Patricio

$541,287

$693,050

$837,700

$1,041,125

San Saba

$541,287

$693,050

$837,700

$1,041,125

Schleicher

$541,287

$693,050

$837,700

$1,041,125

Scurry

$541,287

$693,050

$837,700

$1,041,125

Shackelford

$541,287

$693,050

$837,700

$1,041,125

Shelby

$541,287

$693,050

$837,700

$1,041,125

Sherman

$541,287

$693,050

$837,700

$1,041,125

Smith

$541,287

$693,050

$837,700

$1,041,125

Somervell

$541,287

$693,050

$837,700

$1,041,125

Starr

$541,287

$693,050

$837,700

$1,041,125

Stephens

$541,287

$693,050

$837,700

$1,041,125

Sterling

$541,287

$693,050

$837,700

$1,041,125

Stonewall

$541,287

$693,050

$837,700

$1,041,125

Sutton

$541,287

$693,050

$837,700

$1,041,125

Swisher

$541,287

$693,050

$837,700

$1,041,125

Tarrant

$563,500

$721,400

$872,000

$1,083,650

Taylor

$541,287

$693,050

$837,700

$1,041,125

Terrell

$541,287

$693,050

$837,700

$1,041,125

Terry

$541,287

$693,050

$837,700

$1,041,125

Throckmorton

$541,287

$693,050

$837,700

$1,041,125

Titus

$541,287

$693,050

$837,700

$1,041,125

Tom Green

$541,287

$693,050

$837,700

$1,041,125

Travis

$571,550

$731,700

$884,450

$1,099,150

Trinity

$541,287

$693,050

$837,700

$1,041,125

Tyler

$541,287

$693,050

$837,700

$1,041,125

Upshur

$541,287

$693,050

$837,700

$1,041,125

Upton

$541,287

$693,050

$837,700

$1,041,125

Uvalde

$541,287

$693,050

$837,700

$1,041,125

Val Verde

$541,287

$693,050

$837,700

$1,041,125

Van Zandt

$541,287

$693,050

$837,700

$1,041,125

Victoria

$541,287

$693,050

$837,700

$1,041,125

Walker

$541,287

$693,050

$837,700

$1,041,125

Waller

$541,287

$693,050

$837,700

$1,041,125

Ward

$541,287

$693,050

$837,700

$1,041,125

Washington

$541,287

$693,050

$837,700

$1,041,125

Webb

$541,287

$693,050

$837,700

$1,041,125

Wharton

$541,287

$693,050

$837,700

$1,041,125

Wheeler

$541,287

$693,050

$837,700

$1,041,125

Wichita

$541,287

$693,050

$837,700

$1,041,125

Wilbarger

$541,287

$693,050

$837,700

$1,041,125

Willacy

$541,287

$693,050

$837,700

$1,041,125

Williamson

$571,550

$731,700

$884,450

$1,099,150

Wilson

$557,750

$714,000

$863,100

$1,072,600

Winkler

$541,287

$693,050

$837,700

$1,041,125

Wise

$563,500

$721,400

$872,000

$1,083,650

Wood

$541,287

$693,050

$837,700

$1,041,125

Yoakum

$541,287

$693,050

$837,700

$1,041,125

Young

$541,287

$693,050

$837,700

$1,041,125

Zapata

$541,287

$693,050

$837,700

$1,041,125

Zavala

$541,287

$693,050

$837,700

$1,041,125

 
 
 
 
 
 
 
 

Find out if an FHA loan is right for you

See rates, requirements and benefits

Explore FHA loans

Use the HUD lookup tool to confirm your county’s current limit, then speak with a loan officer to see what you can qualify for.

FHA loan requirements

Requirements for FHA loans can vary by lender and by program, so the guidelines below reflect what you can generally expect through Rocket Mortgage. It’s always best to check with your lender to confirm the exact qualifications for your situation.

The chart below outlines what you’ll usually need to qualify for an FHA mortgage in Texas, including the minimum down payment, credit score, debt-to-income ratio, income, appraisal, and inspection, and more.

Minimum down payment percentage and credit score

Rocket Mortgage requires a down payment of at least 3.5% of the purchase price and a minimum credit score requirement of 580.3 Other lenders may offer FHA loans to borrowers with a credit score between 500 and 579, with a down payment of at least 10%

Mortgage insurance

Up-front MIP of 1.75% of the loan amount, plus an annual MIP of between 0.45% and 1.05% of the loan balance, paid in monthly installments. MIP is paid for 11 years if your down payment is 10% or more of the purchase price, and for the entire loan term if your down payment is less than 10%.

Debt-to-income ratio (DTI)

Rocket Mortgage requires a front-end DTI of 38% and a back-end DTI of 45%. Higher DTIs may be allowed in cases with compensating factors, including a minimum credit score of 620.

FHA appraisal requirement

Home must be appraised by an FHA-approved appraiser.

Occupancy requirement

Must occupy the property within 60 days of closing and must be the primary residence.

Inspection requirement

Property must meet the FHA minimum property standards.

Income

Must prove steady employment (no specific income threshold)

FHA loan down payment assistance programs in Texas

Down payment programs are available for Texas home buyers, as well as tools to help you with the finances of owning a home.

My First Texas Home Program

The My First Texas Home Program offers down payment assistance for first-time home buyers and veterans. Sponsored by the state of Texas, the program offers a 30-year loan and up to 5% toward closing costs or a down payment.

If you qualify, the down payment loan may be forgivable within 3 years. You also may need to meet income thresholds to qualify.                                                                                  

Homes for Texas Heroes Program

The Homes for Texas Heroes Program offers affordable mortgages and down payment assistance for qualifying professions, such as professional educators, those working in nursing facilities, corrections officers, first responders, and active-duty military personnel.

If you meet the eligibility requirements, which include meeting an income threshold, the program will work with you to find a participating lender. You will also need to complete a qualifying home buyer education course

Sweet Home Texas Home Loan Program

The Sweet Home Texas Home Loan Program offers the same type of assistance as Homes for Texas Heroes. However, it’s geared toward those who didn’t qualify for that program. You will still need to meet certain criteria, like having at least a 620 credit score and being within qualifying income limits.

Get approved to buy a home

And see how much down payment assistance you may need

Start my approval

Pros and cons of buying a home in Texas with an FHA loan

While getting an FHA loan for a home in Texas can pave the way for a more affordable path to homeownership, it can come with its downsides. Carefully consider the pros and cons of FHA loans before making a decision.

Pros

FHA loans are designed to make it more possible for homebuyers who may be struggling to get conventional loans.

Specifically:

  • Access to high-growth markets: Large cities like Austin, Dallas, and Houston have some of the most expensive housing in the state. If you want to purchase a home where the median home price has gone up quickly, then an FHA loan may help you do so.
  • Compatible with other down payment assistance programs: Depending on the program, you may be able to take advantage of down payment grants or assistance programs with an FHA loan to make it even more affordable.
  • Lower barriers in rural Texas counties: Conventional lenders may require a larger down payment, which could be a hindrance if you’re looking to purchase a more rural area. An FHA loan may make it easier, especially if you have a lower income.

Cons

While FHA loans do offer home buyers more accessibility, you do have some trade-offs to think about, such as:

  • Mortgage insurance payments: FHA loans require you to pay MIPwhich last throughout the life of the loan. These premiums could increase your monthly payment, especially if you plan on purchasing a home in more costly Texas counties.
  • Foundation and soil issues: Many homes in Texas, particularly those in central Texas, are built on clay soil, which can cause foundation issues. An FHA home appraisal may flag this issue, which could complicate the home buying process if there needs to be significant work done.
  • FHA loan limits may be too restrictive: Yes, FHA loan limits are higher for certain areas in Texas. However, it may not be high enough to purchase homes in areas like Austin, where the median home price is about $540,000. If the home you want to purchase exceeds the FHA loan limit, you’ll probably need to see financing elsewhere.

Save money on an FHA loan today!

Lock in your low interest rate with a fast, online approval

Start my approval

FAQ

Below are some frequently asked questions about FHA loans in Texas.

What would disqualify you from an FHA loan in Texas?

There are several factors that would make you ineligible for an FHA loan in Texas. Some reasons include insufficient credit history or a score below 500, inability to verify a steady income source, or a property that fails to meet FHA loan standards.

To increase your odds of loan approval, maintain good credit as much as possible, save up now for the down payment, and ensure you can prove you have steady income.

Why would you convert your FHA loan to a conventional loan?

It’s possible to refinance your FHA loan to a conventional loan, assuming you can meet the lender’s qualifying criteria. The main benefit to refinancing would be to remove mortgage insurance premiums. In some cases, you may find that refinancing to a conventional loan will reduce your monthly mortgage payments.

Is it hard to get approved for an FHA loan in Texas?

The chances of being approved for an FHA loan in Texas tend to be easier compared with other types of home loans. That’s because this government-backed loan is designed for those with limited savings or lower credit scores. Still, you will need to meet the minimum criteria for DTI, credit score, and proof of steady income.

What are today’s FHA mortgage rates?

Check up-to-date mortgage rates online at the Rocket Mortgage FHA loan rates page.

How long does FHA loan preapproval take?

An FHA loan preapproval timeline will depend on the lender. For Rocket Mortgage, it can take 7 to 10 days on average.

The bottom line: Using an FHA loan to buy a home in Texas

An FHA loan can be a viable option if you’re looking for a way to become a homeowner sooner. These types of mortgages offer lower minimum down payment amounts and less strict credit requirements, which could offer you better access to homes even in high-growth areas.

As with all types of major financial decisions like taking out a loan, make sure you fully understand what your responsibilities are as a borrower.

If you're ready to buy a Texas home, apply today for a home loan with Rocket Mortgage.

1The FHA Streamline program may have stricter requirements in some states. In order to qualify for the FHA Streamline program, an immediate .5% minimum reduction in interest and mortgage insurance premium is required. Some states may require an appraisal.

2Refinancing may increase finance charges over the life of the loan.

3To qualify for this offer, you must meet all standard FHA eligibility requirements. In addition, your total mortgage payment, including taxes and insurance, cannot exceed 38% of your income, your debt-to-income (DTI) ratio cannot exceed 45%, and you must have 12 months of verifiable housing history immediately prior to your application, no late payments 30 days or greater in the last 12-months, and no derogatory marks on your credit report. Not available on jumbo loans. Asset statements may be needed, no more than 1 day of non-sufficient fund fees are allowed in the most recent 2 months prior to application. Additional restrictions/conditions may apply.

Rocket Mortgage is a trademark of Rocket Mortgage, LLC or its affiliates.

Headshot of Sarah Li Cain

Sarah Li Cain

Sarah Li Cain is a freelance personal finance, credit and real estate writer who works with Fintech startups and Fortune 500 financial services companies to educate consumers through her writing. She’s also a candidate for the Accredited Financial Counselor designation and the host of Beyond The Dollar, where she and her guests have deep and honest conversations on how money affects our well-being.

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