2026 Conforming Loan Limits - DFW Counties
The Federal Housing Finance Agency sets annual conforming loan limits that affect conventional loan eligibility:
- ✓Collin, Dallas, Denton, Tarrant, Ellis Counties: $806,500 (single-family) - 2026 limit
- ✓Loans above this limit are "jumbo" and require stricter qualification
- ✓FHA limit for DFW: $524,225 (single-family)
- ✓VA loans: no limit for full entitlement borrowers
Conventional vs FHA vs VA: Which Is Right for You?
Each loan type has different down payment, credit score, and income requirements:
- ✓Conventional: 3–20% down, 620+ credit score, PMI required under 20% down
- ✓FHA: 3.5% down, 580+ credit score, mortgage insurance required for life of loan if < 10% down
- ✓VA: 0% down, no PMI, available to eligible veterans/active duty - best deal if you qualify
- ✓USDA: 0% down in eligible rural areas - some outer DFW areas (Aubrey, Celina) may qualify
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Full guide includes: current 2026 DFW interest rate landscape, how to buy down your rate with points, a full comparison table of all 5 loan types, and lender checklist.
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