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FHA loans in Pampa, TX

Quick answer

The 2026 FHA loan limit in Pampa, TX (Gray County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $95,800 median home value, that down payment is about $3,353 and the estimated payment is $1,044/month at 7.18%, which needs roughly $45,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $53,458; value-to-income ratio 1.79. Pampa ranks 258 by home value and 189 by population among 267 places in our TX dataset.

What does an FHA loan cost on a typical Pampa home?

ItemPampa
Median home value (Census ACS)$95,800
Texas median home value$260,400
Down payment (3.5%)$3,353
Loan incl. 1.75% upfront MIP$94,065
Estimated monthly payment (PITI + MI)$1,044
Income needed (28% / 36%)$45,000 / $35,000
Gray County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Texas's 1.58% effective property tax rate (Census ACS), $2,864/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Pampa?

Pampa is in Gray County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Pampa median home value of $95,800 is 63% below the Texas median, and within what the county limit supports.

Which down payment assistance programs can Pampa buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

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FHA loan FAQs for Pampa

Pampa is in Gray County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $95,800 is about $3,353 with a 580+ credit score (10%, or $9,580, with a 500–579 score), plus closing costs.

At the $95,800 median value (below the Texas median of $260,400), the estimated payment of $1,044/month at 7.18% needs about $45,000 a year under the 28% housing guideline, or $35,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.