FHA Loans
FHA loans in Fort Worth, TX: 2026 limits and what buyers actually pay
Updated November 13, 2026
Reviewed by:
Head of Growth at TurboHome
Agent, Texas · Texas Realtor® License #674075
25.8% of Fort Worth home sales with a recorded financing type closed with an FHA loan from May through October 2026, one closing in four and the highest share of the 10 cities in this series, up from 22.8% a year earlier. FHA buyers paid a median $315,000, against $336,933 citywide, and the 2026 FHA loan limit for a one-unit home in Tarrant County is $563,500. FHA offers did not lose on price: the median FHA closing came in at exactly list (100.00%), while the median cash closing came in at 96.27% of list, though both groups paid the same median price of $315,000. FHA homes sat a median 33 days on market, against 29.5 for cash.
TurboHome Market Analysis · 6,060 closings · May 1 to Oct 31, 2026 · Last updated November 13, 2026
This guide answers two questions with local data: can you buy a home in Fort Worth with an FHA loan, and how do FHA offers fare against cash. It uses 6,060 single-family, condo and townhouse closings in our MLS feed from May 1 to October 31, 2026, of which 6,045 (99.8%) recorded a single financing type.
What is the FHA loan limit in Fort Worth?
The 2026 FHA loan limit for a one-unit home in Tarrant County is $563,500, according to HUD's FHA mortgage limits lookup (checked November 13, 2026). 88.2% of Fort Worth closings from May through October 2026 were priced at or under that figure. That is roughly seven in eight closings. Tarrant County's limit sits above the national floor of $541,287 rather than at it, and the median FHA buyer, at $315,000, paid well under it.
Nationally, the 2026 FHA one-unit limit runs from a floor of $541,287 in lower-cost areas to a ceiling of $1,249,125 in high-cost areas. For comparison, the 2026 conforming loan limit is $832,750, with a high-cost ceiling of $1,249,125.
The limit caps the loan amount, not the price. A buyer can pay more than the limit with a larger down payment, so the share of homes priced at or under it understates what FHA can reach.
The FHA rules that decide whether you qualify, from HUD Handbook 4000.1 (checked November 13, 2026):
- Down payment and credit score: at least 3.5% down with a credit score of 580 or higher, and at least 10% down with a score from 500 to 579. Scores under 500 are not eligible.
- Upfront mortgage insurance: 1.75% of the base loan amount.
- Annual mortgage insurance on loans longer than 15 years: 0.50% to 0.55% of the loan a year for base loan amounts up to $726,200, and 0.70% to 0.75% above that, depending on the down payment. With less than 10% down it lasts for the life of the loan; with 10% or more down, 11 years.
- Seller and agent credits: interested parties, including the seller and real estate agents, can contribute up to 6% of the sales price toward closing costs, prepaid items and discount points, but not toward the minimum down payment.
How many buyers in Fort Worth actually use an FHA loan
6,045 of 6,060 Fort Worth closings from May through October 2026 (99.8%) recorded a single financing type. Of those, 25.8% used an FHA loan (1,561 closings), against 22.8% in the same months of 2025. FHA gained three points in a year while cash (15.9%, from 16.8%) and conventional loans (43.3%, from 46.8%) both slipped, and VA rose to 10.4% from 9.0%. FHA buyers here are buying the middle of the market, not the bottom: the median FHA buyer paid $315,000 against $336,933 citywide.
| Financing | Share, May to Oct 2026 | Share, May to Oct 2025 |
|---|---|---|
| FHA | 25.8% | 22.8% |
| VA | 10.4% | 9.0% |
| Cash | 15.9% | 16.8% |
| Conventional | 43.3% | 46.8% |
FHA buyers paid a median $315,000, against $320,000 in the same months of 2025. The citywide median was $336,933, down 1.4% from $341,799, and the median home sold in 32 days, against 33 a year earlier.
Where FHA buyers are closing in Fort Worth
| Neighborhood | Closings | FHA | VA | Cash | Median price | Median FHA price |
|---|---|---|---|---|---|---|
| Northwest Fort Worth Community Alliance | 457 | 40.3% | 16.6% | 6.8% | $349,990 | $344,249 |
| Sendera Ranch | 197 | 43.1% | 11.2% | 8.1% | $309,000 | $297,900 |
| Garden Acres Area | 129 | 54.3% | 13.2% | 8.5% | $285,000 | $265,500 |
| Marine Creek | 117 | 16.2% | 15.4% | 18.8% | $310,000 | $290,000 |
| Villages of Woodland Springs | 116 | 9.5% | 12.1% | 23.3% | $388,500 | $385,000 |
| Wedgwood | 107 | 27.1% | 8.4% | 9.3% | $315,000 | $319,900 |
| Chapel Creek | 106 | 34.9% | 18.9% | 13.2% | $281,999 | $282,499 |
| Summerfields | 102 | 28.4% | 12.7% | 12.7% | $279,500 | $280,000 |
| Far North Fort Worth | 97 | 33.0% | 9.3% | 7.2% | $355,000 | $308,500 |
| Heritage | 88 | 10.2% | 9.1% | 17.0% | $427,500 | $345,000 |
| Walsh Ranch | 84 | 0% | 13.1% | 17.9% | $594,593 | - |
| Park Glen | 68 | 19.1% | 8.8% | 10.3% | $375,000 | $378,649 |
| Arlington Heights | 64 | 1.6% | 4.7% | 32.8% | $469,500 | $231,000 |
| Ridglea Hills | 61 | 11.5% | 1.6% | 19.7% | $435,500 | $355,000 |
Garden Acres Area is the most FHA-heavy neighborhood in this series: 54.3% of its closings, more than half, used an FHA loan, at a median FHA price of $265,500. In Sendera Ranch (43.1% FHA, 11.2% VA) and the Northwest Fort Worth Community Alliance area (40.3% FHA, 16.6% VA), FHA and VA together accounted for over half of all closings.
Chapel Creek (34.9%), Far North Fort Worth (33.0%), Summerfields (28.4%) and Wedgwood (27.1%) also ran above the citywide FHA share, all with medians from $279,500 to $355,000.
Walsh Ranch, at a median $594,593, was the only listed neighborhood with no FHA closings, and in Arlington Heights, where 32.8% of buyers paid cash, FHA was 1.6%.
FHA by price range in Fort Worth
| Price range | Closings | FHA | VA | Cash |
|---|---|---|---|---|
| Under $300K | 2,033 | 31.9% | 5.8% | 21.6% |
| $300K to $500K | 3,016 | 29.0% | 13.6% | 10.5% |
| $500K to $750K | 702 | 4.8% | 12.0% | 16.8% |
| $750K to $1M | 158 | 0.6% | 10.8% | 24.1% |
| $1M to $1.5M | 82 | 1.2% | 2.4% | 30.5% |
| $1.5M and up | 54 | 0% | 0% | 44.4% |
FHA paid for 31.9% of closings under $300,000 and 29.0% from $300,000 to $500,000, the two bands that hold most of the city's sales. Above $500,000 it falls away fast: 4.8% from $500,000 to $750,000 and almost none above that. VA holds up higher, at 12.0% from $500,000 to $750,000 and 10.8% from $750,000 to $1 million.
Do sellers accept FHA offers in Fort Worth?
Here is how Fort Worth closings compared by how the buyer paid. The closed sales show what each group paid and how long the home sat on the market, not why a seller picked one offer over another.
| Financing | Closings | Median price | Median days on market | Median sale-to-list | Closed above asking | Closed below asking |
|---|---|---|---|---|---|---|
| FHA | 1,560 | $315,000 | 33 | 100.00% | 20.8% | 38.0% |
| Conventional | 2,614 | $365,000 | 31 | 98.93% | 15.8% | 58.0% |
| Cash | 958 | $315,000 | 29.5 | 96.27% | 8.9% | 81.4% |
| VA | 630 | $367,000 | 34 | 100.00% | 19.8% | 43.5% |
Fort Worth gives a same-price comparison: FHA and cash buyers both paid a median $315,000. The median FHA closing came in at exactly list (100.00%), and 20.8% of FHA closings went above asking, against a median 96.27% of list for cash, where only 8.9% went above asking and 81.4% went below. Cash buyers bought the discounts.
FHA homes took a median 33 days to sell, against 29.5 for cash and 31 for conventional loans. VA closings also came in at a median 100.00% of list. The closings show what each group paid, not that sellers prefer FHA.
Condos and FHA in Fort Worth
26.5% of Fort Worth's single-family closings and 2.1% of its condo closings used an FHA loan. Of the FHA closings, 99.2% were single-family homes and 0.1% condos. Fort Worth FHA is a house market: 99.2% of FHA closings were single-family homes and 0.1% condos, and 2.1% of condo sales used FHA.
FHA insures a condo loan only when the unit is in an FHA-approved condominium project, meets FHA's site condominium definition or has completed FHA's Single-Unit Approval (HUD Handbook 4000.1), so ask your lender to check the building before you write an offer.
What this means for your offer in Fort Worth
An FHA buyer in Fort Worth is shopping where FHA is normal. One closing in four used FHA citywide, and in Garden Acres, Sendera Ranch and the Northwest Fort Worth Community Alliance area FHA buyers were the largest single group of buyers.
Expect to pay list: at the same $315,000 median, FHA buyers closed at 100.00% of list and cash buyers at 96.27%. Walsh Ranch, at a median $594,593, is above the Tarrant County limit and recorded no FHA closings.
Freddie Mac's weekly survey put the average 30-year fixed rate at 7.11% on November 12, 2026, down from 7.18% the week before and up from 6.24% a year earlier. FHA quotes differ from that average, so compare an FHA quote with a conventional one with mortgage insurance included.
TurboHome's own Texas buyers took a median 31 days from accepted offer to closing on a conventional loan (closings November 1, 2025 to October 31, 2026; Texas is a small sample of 37 closings with a recorded financing type). Our own FHA closings are too few to report a median. The median TurboHome buyer refund in Texas was $5,697, also from that small sample. On an FHA purchase, a cash credit at closing counts toward HUD's 6% limit on interested party contributions and can pay closing costs, prepaid items and discount points, but not the 3.5% down payment.
Before a TurboHome buyer writes an offer, their agent runs a comparable-based valuation of the home and an AI offer-acceptance prediction, so the offer price rests on recent sales of similar homes rather than a citywide average.
Methodology
Source: TurboHome's MLS closings data (our MLS feed), closings from May 1 to October 31, 2026, compared with May 1 to October 31, 2025.
Filters: single-family homes, condos and townhouses only; closings under $50,000 excluded. Financing shares use only closings where the MLS buyer-financing field carries a single value: 6,045 of 6,060 Fort Worth closings (99.8%). The financing mix counts every closing with a single recorded financing type. The table comparing financing types also requires a recorded days on market from 0 to 730 days, which drops a few listings per city, so its FHA count and median can differ slightly from the financing mix. Neighborhoods are those with at least 20 such closings. Prices, days on market and sale-to-list ratios are medians.
Coverage: Buyer financing is not reported in every MLS. San Francisco, Houston and Katy have almost no buyer-financing data (8% of San Francisco closings carry a financing code, and under 1% of Houston closings), and in Los Angeles and Pasadena the closings with a financing code skew far cheaper than those without one ($845,000 against $1,450,000 in Los Angeles). We left those cities out of this series rather than publish a biased share. Sacramento is left out because its sample is too small.
FHA loan limits: the Tarrant County one-unit limit is from HUD's FHA mortgage limits lookup (FHA Forward, CY2026), checked November 13, 2026. These are the 2026 limits. HUD announced them in December 2025, and they apply to FHA case numbers assigned January 1 through December 31, 2026, so expect new figures for 2027. National floor and ceiling: NAR (December 11, 2025) and NAHB. Conforming limits: Rocket Mortgage (updated January 5, 2026).
FHA rules: HUD Handbook 4000.1, last revised November 26, 2025, checked November 13, 2026; annual mortgage insurance rates from Mortgagee Letter 2023-05. Mortgage rate: Freddie Mac Primary Mortgage Market Survey, November 12, 2026.
TurboHome figures: TurboHome's own closings over $50,000 from November 1, 2025 to October 31, 2026. Our own FHA and VA closings are too few to report as medians.
Notes for Fort Worth:
- The financing mix counts 1,561 FHA closings and the by-financing comparison 1,560; we print both as they came from our feed rather than adjust either.
- Houston is a TurboHome market, served by our licensed Texas agents, but it is not in this series because under 1% of Houston closings in our MLS feed carry a buyer-financing type.
FAQ
What is the FHA loan limit in Fort Worth in 2026?
$563,500 for a one-unit home. Fort Worth is in Tarrant County, and that is HUD's 2026 FHA limit for the county (checked November 13, 2026); 88.2% of Fort Worth closings from May through October 2026 were priced at or under it. The limits apply to FHA case numbers assigned in 2026 and are expected to change for 2027.
How many Fort Worth home buyers use an FHA loan?
25.8% of Fort Worth closings with a recorded financing type used an FHA loan from May through October 2026 (1,561 closings), against 22.8% in the same months of 2025. FHA buyers paid a median $315,000, against $336,933 citywide.
Do sellers in Fort Worth accept FHA offers?
Yes. One Fort Worth closing in four used FHA from May through October 2026, and the 1,560 FHA closings came in at a median 100.00% of the asking price, with 20.8% above asking. Cash buyers paid the same median price, $315,000, at 96.27% of list. FHA homes took a median 33 days to sell, against 29.5 for cash.
Can I use a buyer's agent rebate with an FHA loan?
Usually yes, as a credit toward closing costs. HUD's FHA handbook (4000.1, last revised November 26, 2025, checked November 13, 2026) counts real estate agents and sellers as interested parties, and together they can contribute up to 6% of the sales price toward your origination fees, other closing costs, prepaid items and discount points. Those contributions cannot pay the 3.5% minimum down payment, and anything above 6% or above your actual costs is treated as an inducement that lowers the price your loan is based on, so tell your lender about the rebate early.
Which companies refund the buyer's agent commission in Texas?
TurboHome is a flat-fee buyer's brokerage that refunds the rest of the buyer-side commission to the buyer at closing in Texas, including in Fort Worth. Our Texas roundup also covers Homa, Prevu, Trelora, Congress Realty and Clever Real Estate; see companies that refund the buyer's agent commission in Texas for how each one works.
Related guides
- FHA loans by city
- Days on market in Fort Worth
- Closing costs in Fort Worth
- Price per square foot in Fort Worth
- HOA fees in Fort Worth
- Property taxes in Fort Worth
- Dallas-Fort Worth home buying guides
- Texas home buying guides
- How to get cash back when you buy a house
- Answers on commissions and rebates
- What TurboHome costs
About the Author
Vinura Abeysundara
Vinura Abeysundara is a real estate and growth professional with experience scaling homebuying platforms across Canada and the United States. Formerly Head of Growth at Zown, he now works with TurboHome and writes about homebuyer savings, flat-fee real estate, commissions, and technology in real estate.
View Vinura on LinkedInAbout Jake Shuler
Agent, Texas
Jake Shuler is a Texas REALTOR® with more than 10 years of real estate experience and over 200 successful transactions. As an agent at TurboHome, he helps buyers navigate the Texas housing market and writes about homebuying, negotiations, local market trends, and ways buyers can save throughout the process.
View Jake's profile