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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	6.875%	7.722%	2.046	$2,339
VA 30-Year Fixed	6.750%	7.152%	1.887	$2,298
Conventional 15-Year Fixed	6.625%	7.129%	2.236	$3,072
Conventional 30-Year Fixed	7.250%	7.536%	1.877	$2,387
Jumbo 30-Year Fixed	7.125%	7.347%	2.050	$6,400

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	7.000%	7.866%	2.391	$2,369
VA 30-Year Refinance	7.000%	7.278%	2.150	$2,340
Conventional 15-Year Refinance	6.875%	7.369%	2.350	$3,121
Conventional 30-Year Refinance	7.500%	7.793%	2.125	$2,447
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$6,480

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.722% APR and $2,339 monthly payment at 70% loan-to-value (LTV) and 2.046 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.152% APR and $2,298 monthly payment at 70% loan-to-value (LTV) and 1.887 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.129% APR and $3,072 monthly payment at 70% loan-to-value (LTV) and 2.236 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.536% APR and $2,387 monthly payment at 70% loan-to-value (LTV) and 1.877 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.347% APR and $6,400 monthly payment at 70% loan-to-value (LTV) and 2.050 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.866% APR and $2,369 monthly payment at 70% loan-to-value (LTV) and 2.391 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.278% APR and $2,340 monthly payment at 70% loan-to-value (LTV) and 2.150 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.369% APR and $3,121 monthly payment at 70% loan-to-value (LTV) and 2.350 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.793% APR and $2,447 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $6,480 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 1, 2026.

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Mortgage Rates Trend in Texas

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Rates in Texas

Texas mortgage pricing follows national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Dallas can differ from one for a property in rural Texas when the borrower, property or loan details change.

When comparing lenders for a home purchase, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Comparing both can help you spot differences between offers with similar interest rates but different qualifying costs.

If you’re considering replacing an existing Texas mortgage, compare Texas refinance rates with your current loan terms.

Types of Mortgages Available in Texas

Texans buying a home can choose among several mortgage structures.

A conventional fixed-rate mortgage keeps the same interest rate for the full loan term. Your credit profile, down payment, property and other application details affect the terms available to you.
FHA loans in Texas follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.
Eligible borrowers can compare Texas VA loan rates. VA financing follows its own borrower and property requirements.
USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Texas.
An adjustable-rate mortgage can change after its initial rate period according to the loan terms. Review the adjustment schedule and how later rate changes could affect your payment.
A jumbo loan finances an amount above the applicable conforming limit. Texas uses one statewide one-unit threshold for 2026, which is covered in the next section.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Texas.

Mortgage insurance treatment depends on the loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Texas

All 254 counties in Texas use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Texas. The threshold applies to the amount borrowed rather than the home's purchase price, so a higher-priced home can still use conforming financing when the mortgage itself remains within the limit.

Buyers borrowing above $832,750 can compare Texas jumbo loan rates. Because the same one-unit limit applies across all 254 counties, there is no separate county conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by local area and property size.

FHA financing uses a separate limit system. FHA loan limits in Texas are set separately from conforming limits and are published county by county. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements, and Texas VA loan rates are published separately.

Texas Mortgage Payment Examples By Rate

Texas's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Texas mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount	5.50%	5.75%	6.00%	6.25%	6.50%
$800,000	$4,542	$4,669	$4,796	$4,926	$5,057
$700,000	$3,975	$4,085	$4,197	$4,310	$4,424
$600,000	$3,407	$3,501	$3,597	$3,694	$3,792
$500,000	$2,839	$2,918	$2,998	$3,079	$3,160
$400,000	$2,271	$2,334	$2,398	$2,463	$2,528
$300,000	$1,703	$1,751	$1,799	$1,847	$1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

What's the 2% rule in Texas?

Texas caps lender-controlled fees on home equity loans and cash-out refinances at 2% of the loan's principal amount, although the law provides for certain exceptions. Those include third-party appraisals, land surveys, title insurance premiums, and title examination fees (but only to the extent those examination fees do not exceed the lender’s base title insurance premium) as well as discount points. Whether a specific fee counts toward the 2% cap depends on how it is classified and charged. Lenders are responsible for ensuring compliance with applicable Texas regulations.

Loan Officers in Texas

Kevin Adamson

Loan Officer

NMLS ID# 263858

Today's Mortgage Rates in Texas

TX Mortgage Rate Insights

Current Mortgage Rates in Texas

Legal Disclosures

Get your personalized rate online

Mortgage Rates Trend in Texas

Legal Disclosures

What Affects Mortgage Rates in Texas

Types of Mortgages Available in Texas

2026 Conforming and Jumbo Loan Limits in Texas

Texas Mortgage Payment Examples By Rate

Texas Mortgage FAQs

Loan Officers in Texas

Kevin Adamson

Deanna Adams

Beatriz Moreno

Al Hewitt

Carla Zammiello

Stacey Smith

Tina Mayo

Brandi Gross

Patrick Borovay

Diana Gomez

Nadia Najera

Lonny Coffey

Paul Greer

Diana Jacquez

Ana Cabrales

Kristi Day

Karina Cabrales

Heather Stokes

Mike Lindeman

Kelly Parker

Luis G Cantu Perez

Samantha Leon

Greg Jones

Taylor Fruge

Jill Taylor

Erik Gross

Nikkie Bickham

Hailey Earley

Stephanie Brister

Paty Cabrales

Murdock Richard

Jessica Hidalgo

Kerry Bickham

Wes Avery

Rachael Calk

Beronica Gonzalez

Chris Berra

Tiffany Moreno

Dwayne Graham

Tyler Garcia

Meghan Van Burkleo

Michael Swopes

Leslie Bergen

Italia Navar

Alex Cuevas

Walter Gallipeau

Michael J Fooshee

Jamie Beaston

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