FHA loans in Bullard, TX

What FHA buyers should know about Bullard

Bullard sits in Smith County, where the 2026 FHA limit for a single-family home is $541,287. With a local median price near $265,000, most Bullard purchases fit inside FHA guidelines at the 3.5% minimum down payment.

Two numbers drive a Bullard payment as much as your interest rate: property taxes, which run roughly 1.69% of value in Smith County, and homeowners insurance, which averages about $2,900 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 Bullard 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.

Smith County FHA loan limits

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

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

Nearby cities in Smith 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.