FHA loans in Hereford, TX

What FHA buyers should know about Hereford

Hereford sits in Deaf Smith County, where the 2026 FHA limit for a single-family home is $541,287. With a local median price near $205,000, most Hereford purchases fit inside FHA guidelines at the 3.5% minimum down payment.

Two numbers drive a Hereford payment as much as your interest rate: property taxes, which run roughly 1.82% of value in Deaf Smith County, and homeowners insurance, which averages about $2,800 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 Hereford 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.

Deaf Smith County FHA loan limits

• 1 unit: $541,287
• 2 units: $693,010
• 3 units: $837,696
• 4 units: $1,041,166

Deaf Smith County uses the Texas standard FHA limit. Compare every 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.