Texas FHA Loans
3.5% Down
FHA loans in Texas with flexible credit requirements, competitive mortgage rates, and affordable financing options for first-time homebuyers.
FHA Home Loans in Texas with Low Down Payments
Buying your first home? Lone Star Financing helps Texas homebuyers navigate FHA loan requirements and qualify for low down payment options, flexible credit guidelines, and competitive rates.
Affordable FHA financing makes homeownership more accessible with lower down payments, flexible credit requirements, and competitive mortgage rates.
Why Choose an FHA Loan
- Minimum 3.5% down
- Gift funds allowed
- Higher DTI allowances
- Competitive Rates
- Minimum FICO 580
- Must be primary residence
Lone Star Financing offers FHA financing with low down payments, flexible credit guidelines, and competitive rates—plus fast approvals and expert guidance from experienced Texas FHA specialists.
Explore Our Texas FHA Loan Programs
Compare FHA purchase, refinance, and streamline loan options designed for Texas homebuyers seeking flexible qualification and low down payment financing.
Low down payment FHA home loans for Texas buyers with flexible credit and competitive mortgage rates.
- Low 3.5% down payment options
- Flexible credit qualification
- Competitive fixed mortgage rates
- Do not need to be first-time buyer
Refinance your FHA mortgage in Texas to lower payments, reduce rates, or simplify your existing mortgage loan.
- Lower monthly mortgage payments
- Competitive FHA refinance rates
- Flexible qualification requirements
- Conventional to FHA Allowed
Streamlined FHA refinancing with faster closings, reduced paperwork, and simplified qualification requirements.
- Close in as few as 8 days
- No income documentation
- No appraisal required
- Low rates and fast approvals
FHA Loan Requirements
Texas FHA Loan Guidelines
Key qualification guidelines for FHA loans.
500+ with 10% down
of purchase price
with strong qualifying factors
Required
higher in select counties
from eligible donors
1–4 unit properties
of purchase price
*FHA guidelines may vary based on credit profile, loan amount, property type, and compensating factors. Contact Lone Star Financing for current Texas FHA loan requirements.
Flexible FHA Mortgages for Texas Homebuyers
FHA financing is designed to make homeownership more accessible with low down payment options, flexible credit guidelines, and financing solutions built for a wide range of Texas buyers.
Lone Star Financing helps you compare FHA loan options, understand current requirements, and move through the mortgage process with clear guidance from start to finish.
Better Rates. More Options. Faster Closings.
Texas FHA Home Loans Made Simple
Lone Star Financing specializes in FHA lending and helps Texas first time homebuyers secure competitive financing with flexible qualification requirements, low down payment options, and affordable mortgage solutions.
Our experienced FHA specialists provide expert guidance throughout the entire process, from pre-approval to closing, helping you buy with confidence.
Start Pre-Qualification in Minutes
Questions about Texas FHA loans? Speak with an FHA expert today.
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Mark Dusza
Sr. Loan Officer
NMLS #860825
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Glen Dicken
Sr. Loan Officer
NMLS #313548
“Mark Dusza and the Lone Star Financing team made our DSCR loan process smooth from start to finish. We closed with a competitive rate, excellent communication, and a fast, stress-free experience.”
“Debbie Odell made our first home buying experience in Texas incredibly smooth and reassuring. She went above and beyond throughout the entire process and was always available to help every step of the way.”
“Mark made our home loan process clear, simple, and easy to navigate. He was always available to answer questions, and we truly appreciated the communication and support from Lone Star Financing.”
Today’s FHA Rates
Explore today’s purchase and refinance rates with personalized loan options
Get a Free Rate Quote
Get personalized FHA mortgage rates in seconds and compare payment options, loan terms, and financing scenarios with no obligation required.
Get Instant Rate QuoteUNDERSTANDING FHA HOME LOANS
Common Questions, Answered
What Are the Benefits of FHA Loans?
An FHA loan is a government-backed mortgage designed to help homebuyers qualify with lower down payments and more flexible credit requirements.
- Low Down Payment: Qualified buyers may purchase a home with as little as 3.5% down.
- Flexible Credit Guidelines: FHA financing can be a strong option for buyers with lower credit scores.
- Competitive Interest Rates: FHA mortgages often offers affordable monthly payments and competitive rates.
- Assumable Loan Option: FHA loans may be assumable, which can be attractive to future buyers if rates increase.
- Higher Loan Limits: 2026 FHA limits in most Texas counties are up to $541,287.
What are the Texas 2026 FHA Loan Requirements?
FHA is the perfect loan option for first time home buyers, due to lower down payments and easier credit guidelines. The FHA program is designed primarily to assist borrowers who do not meet the requirements for conventional loans. Learn more about FHA loan requirements at Lone Star Financing.
- Credit Score: While FHA loans are more lenient than conventional loans, a higher credit score can still improve your chances of approval and result in better loan terms.
- Down Payment: A minimum down payment of 3.5% of the purchase price or appraised value is required for those with credit scores of 580 or higher. If your credit score is between 500 and 579, a down payment of at least 10% is necessary.
- Debt-to-Income Ratio: FHA guidelines suggest that your total debt-to-income (DTI) ratio should be no more than 43%. This includes all monthly debts, such as your mortgage payment, credit card bills, and other loans.
- Property Requirements: The property must be a primary residence and meet certain standards set by the FHA to ensure it is safe and habitable. An FHA-approved appraiser will assess the property.
- Mortgage Insurance: FHA home loans require both an upfront mortgage insurance premium (UFMIP) and monthly mortgage insurance premiums (MIP).
Lone Star Financing specializes in Texas FHA Streamline Refinancing can help eligible homeowners lower their interest rate, reduce monthly payments, or refinance with a faster and more simplified process.
- Streamline refinance options available
- Limited documentation programs available
- Rate and term or cash-out refinance options
- Closing costs may be rolled into the loan
- Loan terms available up to 30 years
- Purchase financing up to 96.5% LTV
For single-family homes, the 2026 FHA loan limit in Texas is $541,287 but it varies by county.
To qualify, you’ll need to meet the following requirements.
- Stable employment/income
- The home will be your primary residence
- No foreclosures (last 3 years)
- 50% or lower DTI ratio
- Minimum 3.5% down payment
- Money to cover the upfront mortgage insurance premium (UPMIP), which could be anywhere from 2 – 6% of the purchase price.
Things to know about FHA Home Loans
- Pre-Qualification: Start by getting pre-qualified for your FHA loan in Texas. This involves providing basic financial information to a lender to determine how much you might be eligible to borrow.
- Documentation: Gather necessary documentation, including proof of income, credit history, and employment verification. This information helps the lender assess your financial stability.
- Application Process: Complete the FHA loan application with Lone Star Financing to get started online. We will review your financial documents, credit report, and property details to determine your eligibility.
- Home Inspection and Appraisal: Schedule a home inspection and appraisal. The FHA requires an appraisal in Texas to ensure the property’s value supports the loan amount and meets safety standards.
- Loan Approval: Once your loan is approved, you’ll proceed to closing. During closing, you’ll review and sign final loan documents, and the mortgage will be funded.
Call or Apply Online and see why Lone Star Financing is the Best Mortgage Lender in Texas!
Work with a licensed Texas FHA mortgage broker backed by experienced loan officers who understand FHA guidelines and Texas lending requirements. Lone Star Financing is not affiliated with an agency of the federal government, HUD or FHA. Proudly offering FHA loans in Houston, Dallas, Fort Worth and all of the Lone Star State.
