2026 loan limits in McLennan County, Texas
In McLennan 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 $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
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 McLennan 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 $560,919.
Questions
What is the 2026 conforming loan limit in McLennan County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in McLennan County?
$541,287 for a one-unit home.
More for McLennan County
McLennan County property taxesFHA loan limits toolTexas closing costsAxtell 76624 market dataBruceville 76630 market dataChina Spring 76633 market dataCrawford 76638 market dataElm Mott 76640 market dataHewitt 76643 market dataLorena 76655 market dataMc Gregor 76657 market dataWaco 76701 market dataWaco 76704 market data
2026 limits from HUD’s county files (Waco, Tx). Conforming limits are set by the Federal Housing Finance Agency.