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Dallas–Fort Worth metro

Ellis County FHA loan limits 2026

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

2026 FHA limit — 1 unit

$563,500

2026 FHA limit — 2 units

$721,449

2026 FHA limit — 3 units

$872,073

2026 FHA limit — 4 units

$1,083,892

FHA lending in Ellis County, Texas

Property taxes in Ellis County run roughly 1.94% of assessed value, and homeowners insurance averages about $3,300 a year locally — both are quoted from the actual property rather than a statewide average, so your pre-approval holds up under contract.

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

Cities in Ellis County

WaxahachieMidlothianEnnisRed OakOvillaFerrisPalmerItaly

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 Ellis County

Send your details and a licensed loan officer will price your scenario with local taxes and insurance.

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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.)$525
Homeowners insurance (est.)$275
Estimated monthly payment$2,909

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.