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Erath County FHA loan limits 2026

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

2026 FHA limit — 1 unit

$541,287

2026 FHA limit — 2 units

$693,010

2026 FHA limit — 3 units

$837,696

2026 FHA limit — 4 units

$1,041,166

FHA lending in Erath County, Texas

Property taxes in Erath County run roughly 1.82% of assessed value, and homeowners insurance averages about $2,800 a year locally — both are quoted from the actual property rather than a statewide average, so your pre-approval holds up under contract.

Erath County uses the Texas standard (floor) FHA limit for 2026. Compare every Texas county.

Cities in Erath County

StephenvilleDublin

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.

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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.)$493
Homeowners insurance (est.)$233
Estimated monthly payment$2,835

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.