FHA Loans in Austin & Central Texas
FHA loans are designed for buyers who need flexible credit requirements or a smaller down payment. They’re a popular first-home option in the Austin area, and 360 Lending Group has helped clients use FHA financing since 2003.
2026 FHA Loan Limits for the Austin Area
The Austin–Round Rock–San Marcos metro (Travis, Williamson, Hays, Bastrop, and Caldwell counties) has a dedicated 2026 FHA limit of $571,550 for a single-family home — higher than the Texas baseline of $541,287, reflecting Austin’s home prices. Multi-unit limits are higher still: $731,700 for a duplex, $884,450 for a triplex, and $1,099,150 for a fourplex.
Key Benefits
Down payments start at 3.5% with a credit score of 580 or above, and FHA underwriting is more forgiving of past credit events like bankruptcy or foreclosure than conventional loans. Sellers can contribute up to 6% toward your closing costs, and FHA loans are assumable — a valuable feature if rates rise after you buy.
Things to Weigh
FHA loans carry an upfront and an annual mortgage insurance premium that in most cases lasts the life of the loan. For many buyers the right move is starting FHA, then refinancing to conventional once equity builds — we’ll map that path with you from day one.
Start Your Application Questions? Contact Don directly
360 Lending Group, LLC — NMLS 266484. This information is for general education and is not a commitment to lend or a rate quote. Loan programs, limits, and terms are subject to change and to borrower qualification. Figures cited are 2026 limits and may differ by county and property type.
Recent Comments