El Paso County, Texas
FHA loans in El Paso, TX
3.5% down FHA purchase and refinance financing for El Paso homebuyers and homeowners, with El Paso County loan limits and local tax and insurance estimates built in.
FHA limit (1 unit)
$541,287
Median price (est.)
$235,000
Property tax (monthly est.)
$480
Insurance (monthly est.)
$183
What FHA buyers should know about El Paso
El Paso is one of the most FHA-friendly markets in the state: median prices sit far below the county limit, so down payment and credit flexibility usually matter more than loan size.
Two numbers drive a El Paso payment as much as your interest rate: property taxes, which run roughly 2.45% of value in El Paso County, and homeowners insurance, which averages about $2,200 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 El Paso 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.
El Paso County FHA loan limits
- 1 unit: $541,287
- 2 units: $693,010
- 3 units: $837,696
- 4 units: $1,041,166
El Paso County uses the Texas standard FHA limit. Compare every county.
Nearby cities in El Paso 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.
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 rateRate 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.