Texas FHA MortgageFlorida Mortgage Pros LLC · NMLS #1688623
ENES

Smith County, Texas

FHA loans in Tyler, TX

3.5% down FHA purchase and refinance financing for Tyler homebuyers and homeowners, with Smith 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.)

$387

Insurance (monthly est.)

$242

What FHA buyers should know about Tyler

Tyler's relatively low tax rate helps FHA buyers qualify for a bit more home than the same payment buys in DFW.

Two numbers drive a Tyler 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 Tyler 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

WhitehouseLindaleBullardHideawayTroup

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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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.)$458
Homeowners insurance (est.)$242
Estimated monthly payment$2,808

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.