FHA loans in Plano, TX

What FHA buyers should know about Plano

Plano prices run near the Collin County FHA ceiling, so pre-approval math matters: a slightly larger down payment often keeps the loan under the limit.

Two numbers drive a Plano payment as much as your interest rate: property taxes, which run roughly 1.85% of value in Collin County, and homeowners insurance, which averages about $3,300 a year locally. We quote both from the actual property rather than a statewide average, so your pre-approval holds up when you go under contract.

FHA financing in Plano covers purchases, rate-and-term refinances, Streamline refinances for existing FHA borrowers, cash-out up to 80% of value, and 203(k) renovation loans for homes that need work before they'll pass an FHA appraisal.

Collin County FHA loan limits

• 1 unit: $563,500
• 2 units: $721,449
• 3 units: $872,073
• 4 units: $1,083,892

Collin County carries a high-cost FHA designation, which raises the ceiling above the Texas standard limit. Compare every county.

Nearby cities in Collin County

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.