---
title: FHA Loan Texas | Rates, Requirements & How to Qualify | Aravian Financial
description: "Get an FHA loan in Texas with as little as 3.5% down and a 580 credit score. Compare 2026 FHA rates and requirements. NMLS #566937 | Aravian Financial, Houston TX."
---
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# FHA Loans in Texas. More Flexible. More Accessible.
Government-backed financing with lower credit requirements and a 3.5% minimum down payment. The most popular path to homeownership for first-time buyers and those rebuilding credit.
[Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify)[Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote)
3.5% minimum down payment
580+ credit score accepted
Gift funds allowed
Primary residences only
Texas Licensed Broker
20+ Lender Partners
First-Time Buyer Friendly
Close in as Fast as 21 Days
3.5%
Min Down Payment
580+
Min Credit Score
$541,287
2026 FHA Limit
MIP
Mortgage Insurance
## What is an FHA Loan?
An FHA loan is a mortgage insured by the Federal Housing Administration, a division of the U.S. Department of Housing and Urban Development (HUD). Because the government backs the loan, lenders are willing to offer more flexible qualification standards, making FHA loans accessible to a wider range of borrowers.
FHA loans are among the most popular loan types in Texas, particularly for first-time buyers, borrowers with limited down payment savings, or those with credit challenges. As an independent broker, Kris shops FHA rates across 20+ wholesale lenders to make sure you are getting the most competitive pricing available.
## Who Qualifies for an FHA Loan?
Credit score of 580+ for 3.5% down (500-579 may qualify with 10% down)
Stable employment history of at least 2 years
Debt-to-income ratio up to 57% in some cases
Primary residence only (no investment properties)
Property must meet FHA appraisal and safety standards
US citizen or lawful permanent resident (FHA removed non-resident alien eligibility in 2025)
## Pros and Cons
### Advantages
3.5% down payment with 580+ credit score
More flexible debt-to-income ratios than conventional
Gift funds allowed for entire down payment
Available to borrowers with prior bankruptcy or foreclosure
Competitive interest rates due to government backing
Streamline refinance option available later
### Things to Consider
Mortgage insurance premium (MIP) required for life of loan in most cases
Upfront MIP of 1.75% added to loan balance
Primary residence only, no investment properties
Property must meet strict FHA appraisal standards
Loan limits lower than conventional in most Texas counties
## Frequently Asked Questions
What is the minimum credit score for an FHA loan in Texas?
The minimum credit score for an FHA loan with 3.5% down is 580. Borrowers with scores between 500 and 579 may still qualify but will need a 10% down payment. Lender overlays sometimes set a higher minimum, which is why shopping with a broker matters.
How much is the FHA mortgage insurance premium?
FHA loans require two types of mortgage insurance. The upfront MIP is 1.75% of the loan amount, added to your balance at closing. The annual MIP ranges from 0.15% to 0.75% depending on your loan term, loan amount, and down payment, paid monthly.
Can I use gift money for an FHA down payment?
Yes. FHA allows 100% of your down payment and closing costs to come from gift funds from a family member, employer, or charitable organization. A gift letter is required documenting that the funds are a gift, not a loan.
Does FHA mortgage insurance ever go away?
For FHA loans originated after June 2013 with less than 10% down, MIP stays for the life of the loan. If you put down 10% or more, MIP is removed after 11 years. Many borrowers refinance into a conventional loan once they reach 20% equity to eliminate MIP.
What are the FHA loan limits in Texas for 2026?
The standard FHA loan limit for most Texas counties in 2026, including all of Houston metro, is $541,287. Higher-cost counties vary: Austin metro counties are $571,550, Dallas-Fort Worth counties are $563,500, and San Antonio metro counties are $557,750. The highest Texas county limit is $813,050. Kris can confirm the exact limit for your county.
Can I get an FHA loan if I had a bankruptcy or foreclosure?
Yes. FHA has shorter waiting periods than conventional loans. After a Chapter 7 bankruptcy, you can qualify for an FHA loan after 2 years. After a foreclosure, the waiting period is 3 years. Extenuating circumstances can sometimes reduce these periods.
### At a Glance
Key requirements for this program.
Min Down Payment3.5%
Min Credit Score580+
2026 FHA Limit$541,287
Upfront MIP1.75%
Annual MIP0.55% typical
Property UsePrimary Only
[Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote)
Rates and requirements subject to change. All loans subject to credit approval. Not a commitment to lend. NMLS #566937.
**Kris Syevens**NMLS #566937 · Aravian Financial
#### Other Loan Programs
- [Conventional Loan](https://www.aravianfinancial.com/conventional)
- [VA Loan](https://www.aravianfinancial.com/va)
- [USDA Loan](https://www.aravianfinancial.com/usda)
- [Jumbo Loan](https://www.aravianfinancial.com/jumbo)
- [Reverse Mortgage](https://www.aravianfinancial.com/reverse-mortgage)
- [Specialty Loans](https://www.aravianfinancial.com/specialty-loans)
- [All Loan Programs](https://www.aravianfinancial.com/loan-programs)
## Ready to get started?
Takes 2 minutes. No credit pull. No obligation.
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Independent mortgage broker serving Houston and all of Texas. NMLS #566937 | Aravian Financial NMLS #2691016.
#### Buy
- [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify)
- [Get a Quote](https://www.aravianfinancial.com/get-a-quote)
- [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers)
- [Down Payment Help](https://www.aravianfinancial.com/down-payment-assistance)
- [Calculators](https://www.aravianfinancial.com/calculators)
#### Loan Types
- [Conventional](https://www.aravianfinancial.com/conventional)
- [FHA](https://www.aravianfinancial.com/fha)
- [VA](https://www.aravianfinancial.com/va)
- [USDA](https://www.aravianfinancial.com/usda)
- [Specialty Loans](https://www.aravianfinancial.com/specialty-loans)
#### Company
- [About Kris](https://www.aravianfinancial.com/about)
- [Meet the Team](https://www.aravianfinancial.com/team)
- [Reviews](https://www.aravianfinancial.com/reviews)
- [Careers](https://www.aravianfinancial.com/careers)
- [Blog](https://www.aravianfinancial.com/blog)
- [Contact](https://www.aravianfinancial.com/contact)
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Equal Housing Opportunity
© 2026 Aravian Financial. All rights reserved. Kris Syevens, NMLS #566937
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Aravian Financial, NMLS #2691016 | Kris Syevens, NMLS #566937 | Licensed Mortgage Broker, State of Texas. This is not a commitment to lend. Rates, terms, and programs are subject to change without notice. All loans subject to credit approval. Equal Housing Opportunity.
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