The 2026 FHA loan limit in Caldwell County, Texas is $571,550 for a one-unit home ($731,700 two-unit, $884,450 three-unit, $1,099,150 four-unit). With 3.5% down, that supports a purchase price of about $592,280.
$497,000median sale price HUD used
2026 limits by property size
| Units | FHA limit | Conforming / VA |
|---|---|---|
| 1 unit | $571,550 | $832,750 |
| 2 units | $731,700 | $1,066,250 |
| 3 units | $884,450 | $1,288,800 |
| 4 units | $1,099,150 | $1,601,750 |
vs national floor and ceiling
HUD sets FHA limits at 115% of the area median sale price, kept between the floor and the ceiling.
What an FHA loan costs here
| Home price | 3.5% down | Loan | Monthly P&I |
|---|---|---|---|
| $200,000 | $7,000 | $193,000 | $1,336 |
| $300,000 | $10,500 | $289,500 | $2,004 |
| $400,000 | $14,000 | $386,000 | $2,673 |
| $592,279 | $20,730 | $571,549 | $3,957 |
Add the FHA upfront premium (1.75%), annual MIP, property tax and insurance.
VA loans in Caldwell County
Veterans with full VA entitlement have no VA loan limit. Lenders size the loan by income and appraisal, not by county. With reduced entitlement (for example, an active VA loan), the 2026 county limit of $832,750 (the FHFA conforming limit) sets how much you can borrow with no down payment.
Related
- Texas FHA limits by countyall counties
- USDA income limits, Caldwell County0% down rural loans
- Caldwell County property tax1.35% effective
- Conforming loan limit$832,750
- Mortgage rates in Texasthis week
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Caldwell County for 2026?
The 2026 FHA loan limit in Caldwell County, Texas is $571,550 for a one-unit home ($731,700 two-unit, $884,450 three-unit, $1,099,150 four-unit). With 3.5% down, that supports a purchase price of about $592,280.
What is the max FHA loan for a duplex in Caldwell County?
$731,700 for a two-unit property in 2026. A triplex is $884,450 and a fourplex is $1,099,150.
What is the VA loan limit in Caldwell County?
No limit with full entitlement. With reduced entitlement, the 2026 county limit is $832,750.
How much down payment do I need for an FHA loan?
3.5% with a credit score of 580 or higher, or 10% with a score of 500–579.