Texas FHA MortgageFlorida Mortgage Pros LLC · NMLS #1688623
ENES

Ector County, Texas

FHA loans in Odessa, TX

3.5% down FHA purchase and refinance financing for Odessa homebuyers and homeowners, with Ector County loan limits and local tax and insurance estimates built in.

FHA limit (1 unit)

$541,287

Median price (est.)

$265,000

Property tax (monthly est.)

$411

Insurance (monthly est.)

$258

What FHA buyers should know about Odessa

Odessa remains an accessible FHA market, and the Ector County limit covers effectively the entire local price range.

Two numbers drive a Odessa payment as much as your interest rate: property taxes, which run roughly 1.86% of value in Ector County, and homeowners insurance, which averages about $3,100 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 Odessa 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.

Ector County FHA loan limits

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

Ector 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.

Get an FHA quote for Odessa

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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.)$504
Homeowners insurance (est.)$258
Estimated monthly payment$2,871

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.