2026 loan limits in Dallas County, Texas
In Dallas County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $563,500.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$563,500High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$583,938Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $563,500 |
| 2 units | $1,066,250 | $721,400 |
| 3 units | $1,288,800 | $872,000 |
| 4 units | $1,601,750 | $1,083,650 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Dallas County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $583,938.
Questions
What is the 2026 conforming loan limit in Dallas County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Dallas County?
$563,500 for a one-unit home.
More for Dallas County
Dallas County property taxesFHA loan limits toolTexas closing costsAddison 75001 market dataBalch Springs 75180 market dataCarrollton 75006 market dataCedar Hill 75104 market dataCoppell 75019 market dataDallas 75201 market dataDallas 75202 market dataDallas 75203 market dataDallas 75204 market dataDallas 75205 market data
2026 limits from HUD’s county files (Dallas-Fort Worth-Arlington, Tx). Conforming limits are set by the Federal Housing Finance Agency.