Conventional Loans · Texas · NMLS #1603937

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What are you looking to do?

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When do you want to close?

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Estimated property value

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$450,000

$100K $1M $2M $3M+

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Conventional Loans in Texas

What Texas buyers need to know

Texas leads the nation in population growth, with the Houston, Dallas-Fort Worth, Austin, and San Antonio metros each adding tens of thousands of new residents per year. Strong job markets in tech, energy, and healthcare keep buyer demand steady, and Texas has no state income tax.

Conforming limit (2026)

$806,500

Top markets

Houston · San Antonio · Dallas

Qualification Guide

Conventional Loan Eligibility in Texas

Key thresholds for approval.

Credit Score

620+

Minimum 620 typically required. Higher scores unlock better rates. 740+ qualifies for the best pricing.

Down Payment

As Low as 3%

First-time buyers may qualify for 3% down. Standard conventional requires 5%. 20% eliminates PMI.

Debt-to-Income Ratio

45% or Less

Total monthly debts including the new mortgage typically should not exceed 45% of gross monthly income.

Conforming Loan Limits

Up to $806,500+

The 2026 conforming limit is $806,500 for most areas, with higher limits in designated high-cost counties.

Lending Arena, NMLS #1603937. Licensed by the Texas Department of Savings and Mortgage Lending. Texas A6 home equity transactions are subject to the disclosures and protections of Texas Constitution Section 50(a)(6). Equal Housing Lender. This is not a commitment to lend. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.