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FHA loans in White Settlement, TX

Quick answer

The 2026 FHA loan limit in White Settlement, TX (Tarrant 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 $176,500 median home value, that down payment is about $6,178 and the estimated payment is $1,723/month at 7.18%, which needs roughly $74,000 a year in income.

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

Median household income: $56,472; value-to-income ratio 3.13. White Settlement ranks 193 by home value and 174 by population among 267 places in our TX dataset.

What does an FHA loan cost on a typical White Settlement home?

ItemWhite Settlement
Median home value (Census ACS)$176,500
Texas median home value$260,400
Down payment (3.5%)$6,178
Loan incl. 1.75% upfront MIP$173,303
Estimated monthly payment (PITI + MI)$1,723
Income needed (28% / 36%)$74,000 / $58,000
Tarrant 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 White Settlement?

White Settlement is in Tarrant 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 White Settlement median home value of $176,500 is 32% below the Texas median, and within what the county limit supports.

Which down payment assistance programs can White Settlement 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 White Settlement

White Settlement is in Tarrant 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 $176,500 is about $6,178 with a 580+ credit score (10%, or $17,650, with a 500–579 score), plus closing costs.

At the $176,500 median value (below the Texas median of $260,400), the estimated payment of $1,723/month at 7.18% needs about $74,000 a year under the 28% housing guideline, or $58,000 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.