Loan Limits / Texas / Cottle County
2026 Loan Limits · Texas · NON-METRO
Cottle County, TX.
2026 conforming and FHA loan limits, calibrated to a median sales price of $82,000.
Median Sales Price
$82,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Cottle County
Cottle County is a county in the U.S. state of Texas. As of the 2020 census, its population was 1,380. Its county seat is Paducah. The county was founded in 1876 and later organized in 1892. It is named for George Washington Cottle, who died defending the Alamo. Cottle County was formerly one of 46 prohibition or entirely dry counties in Texas. It now allows beer and wine sales. Read more on Wikipedia →
Population
1,302
U.S. Census ACS 2023
Median Household Income
$58,819
U.S. Census ACS 2023
Median Home Value (Census)
$54,100
Owner-occupied · ACS 2023
Owner-Occupancy Rate
79%
Of occupied housing
What these limits mean for buyers in Cottle County
The 2026 conforming 1-unit limit for Cottle County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Cottle County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Cottle County at $82,000. This matches the FHA national floor — Cottle County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Cottle County ($82,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Cottle County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Cottle County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.