FHA loans in Sulphur Springs, TX

What FHA buyers should know about Sulphur Springs

Sulphur Springs sits in Hopkins County, where the 2026 FHA limit for a single-family home is $541,287. With a local median price near $240,000, most Sulphur Springs purchases fit inside FHA guidelines at the 3.5% minimum down payment.

Two numbers drive a Sulphur Springs payment as much as your interest rate: property taxes, which run roughly 1.82% of value in Hopkins County, and homeowners insurance, which averages about $2,800 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 Sulphur Springs 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.

Hopkins County FHA loan limits

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

Hopkins 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.