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ENES

Harris County, Texas

FHA loans in Houston, TX

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

FHA limit (1 unit)

$541,287

Median price (est.)

$275,000

Property tax (monthly est.)

$477

Insurance (monthly est.)

$283

What FHA buyers should know about Houston

Houston's mix of established inner-loop neighborhoods and newer suburban construction keeps a large share of listings under the Harris County FHA limit, which is why FHA financing is heavily used across the metro.

Two numbers drive a Houston payment as much as your interest rate: property taxes, which run roughly 2.08% of value in Harris County, and homeowners insurance, which averages about $3,400 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 Houston 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.

Harris County FHA loan limits

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

Harris County uses the Texas standard FHA limit. Compare every county.

Nearby cities in Harris County

PasadenaBaytownLa PorteDeer ParkKatyBellaireHumbleSouth HoustonTomballWest University PlaceWebsterGalena Park

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 Houston

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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.)$563
Homeowners insurance (est.)$283
Estimated monthly payment$2,955

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.