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FHA loans in Trophy Club, TX

Quick answer

The 2026 FHA loan limit in Trophy Club, TX (Denton County) is $563,500 for a single-family home, enough for a purchase price up to about $583,000 with 3.5% down. On the $617,000 median home value, that down payment is about $21,595 and the estimated payment is $5,427/month at 7.18%, which needs roughly $233,000 a year in income.

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

Median household income: $193,026; value-to-income ratio 3.20. Trophy Club ranks 10 by home value and 221 by population among 267 places in our TX dataset.

What does an FHA loan cost on a typical Trophy Club home?

ItemTrophy Club
Median home value (Census ACS)$617,000
Texas median home value$260,400
Down payment (3.5%)$21,595
Loan incl. 1.75% upfront MIP$605,825
Estimated monthly payment (PITI + MI)$5,427
Income needed (28% / 36%)$233,000 / $181,000
Denton County 2026 FHA limit (1 unit)$563,500
Max purchase price at the limit$583,000

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 Trophy Club?

Trophy Club is in Denton County where HUD's 2026 one-unit FHA limit is $563,500. With the minimum 3.5% down, that caps the purchase price at about $583,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Trophy Club median home value of $617,000 is 137% above the Texas median, and above what the county limit supports.

Which down payment assistance programs can Trophy Club buyers use?

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

FHA loans in nearby cities

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FHA loan FAQs for Trophy Club

Trophy Club is in Denton County, where HUD's 2026 FHA limit for a one-unit home is $563,500. With 3.5% down, that supports a purchase price up to about $583,000.

3.5% of $617,000 is about $21,595 with a 580+ credit score (10%, or $61,700, with a 500–579 score), plus closing costs.

At the $617,000 median value (above the Texas median of $260,400), the estimated payment of $5,427/month at 7.18% needs about $233,000 a year under the 28% housing guideline, or $181,000 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.