Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Harris County, Texas

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

Harris County, Texas, mortgage loan limits apply in:

Harris County 2025 mortgage loan limits include the following cities: Aldine, Atascocita, Barrett, Bellaire, Bunker Hill Village, Channelview, Cloverleaf, Crosby, Deer Park, El Lago, Galena Park, Hedwig Village, Highlands, Hilshire Village, Humble, Hunters Creek Village, Jacinto City, Jersey Village, La Porte, Nassau Bay, Pasadena, Piney Point Village, Sheldon, South Houston, Southside Place, Spring, Spring Valley Village, Taylor Lake Village, Webster, West University Place
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in Harris County, Texas

Harris County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from Harris County, Texas

Harris County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
252,354
Loan Type
Relative Share
Conventional
67.99%
FHA
25.24%
VA
6.68%
USDA
0.08%
Property Type
Relative Share
1-Unit Homes
99.51%
2-Unit Homes
0.35%
3-Unit Homes
0.06%
4-Unit Homes
0.08%
Borrower Status
Relative Share
One Applicant
58.89%
Two or More Applicants
41.11%
Gender
Relative Share
Male
36.81%
Female
23.27%
Joint Sex
34.43%
Not Available
5.50%
Race
Relative Share
American Indian / Alaska Native
0.73%
Asian
9.62%
Black / African American
12.23%
Native Hawaiian / Other Pacific Islander
0.16%
White
58.94%
Mixed Race
2.76%
Other Race
15.55%
Ethnicity
Relative Share
Hispanic or Latino
28.40%
Not Hispanic or Latino
55.46%
Joint Ethnicity
4.00%
Other Ethnicity
12.13%
Harris County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Harris County, Texas

2025 conforming and FHA mortgage loan limits for for the areas surrounding Harris County, Texas. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Brazoria County, Texas
Chambers County, Texas
Fort Bend County, Texas
Galveston County, Texas
Liberty County, Texas
Montgomery County, Texas
Waller County, Texas
National Data

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© 2021-2024 All rights reserved. Member FDIC. Equal Housing Lender. Novus Home Mortgage, a division of Ixonia Bank, NMLS #423065. The website is not available in Connecticut, New York, Washington, Hawaii, and Alaska. Growella is not licensed or registered to engage in mortgage loan origination activities for mortgage loans on 1-4 family residential properties located in New York. This website is not approved by the state of New York. A self-directed mortgage means the customer provides application information and selects loan terms independently. Guidance from a loan officer is available for informational purposes only. This process is not fully automated and does not increase the likelihood of mortgage approval compared to a typical mortgage application. All applications are subject to standard underwriting and approval criteria. This website has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. US government agencies have not reviewed this information, and this site is not connected with any government agency.