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Caldwell County FHA loan limits 2026

2026 FHA loan limits, local tax and insurance estimates, and 3.5% down purchase and refinance financing for Lockhart and the rest of Caldwell County.

2026 FHA limit — 1 unit

$571,550

2026 FHA limit — 2 units

$731,755

2026 FHA limit — 3 units

$884,531

2026 FHA limit — 4 units

$1,099,376

FHA lending in Caldwell County, Texas

Property taxes in Caldwell County run roughly 1.95% of assessed value, and homeowners insurance averages about $3,000 a year locally — both are quoted from the actual property rather than a statewide average, so your pre-approval holds up under contract.

Caldwell County carries a HUD high-cost designation, which lifts its ceiling above the Texas standard limit. Compare every Texas county.

Cities in Caldwell County

LockhartLuling

This site is not affiliated with or endorsed by HUD, the FHA, or any government agency. Rate and payment examples are estimates for illustration only. Rates are subject to change and this is not a commitment to lend. Actual APR depends on credit, occupancy, loan amount, and property details.

Get an FHA quote in Caldwell County

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Down payment$11,375
Base loan amount$313,625
Upfront MIP (1.75%, financed)$5,488
Principal & interest$1,965
Monthly MIP$144
Property taxes (est.)$528
Homeowners insurance (est.)$250
Estimated monthly payment$2,887

These are estimates. Want your exact numbers?

A licensed loan officer will price your scenario with today's rates, real taxes, and an insurance quote.

Get your exact rate

Rate and payment examples are estimates for illustration only. Rates are subject to change and this is not a commitment to lend. Actual APR depends on credit, occupancy, loan amount, and property details. MIP shown at 0.55% annually and 1.75% upfront; your factors may differ. This site is not affiliated with or endorsed by HUD, the FHA, or any government agency.