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ENES

Potter County, Texas

FHA loans in Amarillo, TX

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

FHA limit (1 unit)

$541,287

Median price (est.)

$215,000

Property tax (monthly est.)

$382

Insurance (monthly est.)

$283

What FHA buyers should know about Amarillo

Amarillo is a strong FHA market on affordability alone; hail-related insurance pricing is the detail most payment estimates miss.

Two numbers drive a Amarillo payment as much as your interest rate: property taxes, which run roughly 2.13% of value in Potter 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 Amarillo 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.

Potter County FHA loan limits

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

Potter 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.

Get an FHA quote for Amarillo

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.)$577
Homeowners insurance (est.)$283
Estimated monthly payment$2,969

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.