Irving, TX loan limits: 2026 conforming and FHA context

The local figures answer the first question: Irving, TX is connected to Dallas County for this 2026 source comparison. For borrower planning, the published one-unit conforming limit is $832,750, while the published one-unit FHA limit is $563,500. Those figures organize different program categories; $832,750 is not a conventional loan offer, and $563,500 is not an FHA eligibility finding. For Irving, TX, starting with Dallas County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Irving, TX still need to confirm the selected property's location and legal unit count, because the relevant Dallas County row follows the property rather than the city label or mailing address alone. Around Irving, TX, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Dallas County as Irving, TX's confirmed county row before comparing the $832,750 and $563,500 program boundaries.

A useful Irving, TX next step is to document the property address, Dallas County geography, legal unit count, price, down-payment plan, and expected base loan amount. Compare that amount with $832,750 and $563,500 for a one-unit property, or with $1,601,750 and $1,083,650 only when the four-unit category is actually applicable. After the $832,750 and $563,500 comparison, ask a licensed professional to verify the current official row and explain the borrower, property, occupancy, insurance, and documentation rules attached to each option. For borrower planning, the $832,750 conforming figure and $563,500 FHA figure should remain dated to 2026 throughout that review. This sequence uses the $269,250 one-unit gap as planning context while avoiding any promise that a published ceiling is available, affordable, or appropriate.