What is the 2026 FHA loan limit in El Paso?

$541,287 for a one-unit home in El Paso County, the national FHA floor.

Can I use a VA loan near Fort Bliss?

Yes. With full entitlement there is no VA loan limit, and you can usually rent the home out after a PCS move.

Are El Paso rentals good for DSCR loans?

Often. Prices are moderate and military rental demand is steady. We run the full payment with real taxes and insurance before you offer.

Is Nick Grisanti licensed to lend in El Paso?

Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.

El Paso County · Texas

Mortgages in El Paso.

Nick Grisanti

Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

VA, FHA, conventional and rental property loans in El Paso, from 100+ wholesale lenders through C2 Financial Corporation.

$541,2872026 FHA limit, El Paso County
100+Wholesale lenders

Step 1 of 4

What can we help you with?

A few details

Credit score, roughly

When are you hoping to close?

Main income type

First home you've bought?

Monthly debt payments (car, student, cards)

Served in the military? (optional)

How will it be rented?

How do you know the rent?

Expected gross rent per month

Prepayment penalty you could accept

How would you document income?

Renovation budget

Value after renovation (estimate)

Plan when it's done

The lot

Lot value (estimate)

Construction budget

Plans and permits

Who is building it?

When it's finished, you'll

Buying in your name or an LLC?

Projects in the last 3 years

Include taxes and insurance in the monthly payment?

Loan amount, if you know it

2026

El Paso by the numbers

El Paso is built around Fort Bliss, so VA loans and rentals to military families are a big part of the market. El Paso County's FHA limit is the national floor.

FHA · 1 unit · El Paso County $541,287 The national floor, which covers most purchase prices here.

Conforming · 1 unit $832,750 Loans above this are jumbo loans.

Median sale price $262,375 City of El Paso median sale price, September 2026 (Redfin).

City tax rate $0.7980 City of El Paso rate per $100 of value, tax year 2026. County, school district and special district rates are added on top.

State income tax None Texas has no state income tax, and no transfer tax on home sales.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in El Paso should know

Military VA loans near Fort Bliss Eligible veterans and service members with full entitlement have no VA loan limit, and many Fort Bliss families keep their home as a rental after a PCS move. VA loans → Rentals Steady military rental demand HUD's market analysis counts about 14,500 service members living off post. Single-family homes make up about 40% of occupied rentals, which suits DSCR investors. HUD market analysis → Short-term rentals Hotel tax applies Texas charges a 6% state hotel occupancy tax on short-term rentals, and cities add their own on top. Texas hotel tax → Taxes File your homestead by April 30 A Texas homestead takes $140,000 off your home's value for school taxes ($60,000 more at 65+ or disabled). File with the appraisal district by April 30 of the year after you buy. Comptroller exemptions → First-time buyers TDHCA and TSAHC programs State programs such as My First Texas Home, My Choice Texas Home, Homes for Texas Heroes and Home Sweet Texas offer down payment help of up to 5%. Income and price limits apply. TDHCA programs → Investors Rental property in El Paso A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside El Paso. How DSCR works →

About El Paso

Living and buying in El Paso

Fort Bliss, home of the 1st Armored Division, is El Paso's largest employer with more than 47,000 workers, and the city is a major cross-border trade hub with Ciudad Juárez.

About 14,500 service members live off post, which supports steady rental demand. Buyers look at Kern Place and Sunset Heights near UTEP, the Upper Valley, the Westside and Northeast, and nearby Horizon City and Socorro.

Neighborhoods

Where buyers look

Kern Place
Sunset Heights
Upper Valley
Westside
Northeast
Horizon City
Socorro
Canutillo

Schools: El Paso ISD, Ysleta ISD and Socorro ISD. Check the district for any specific address before you buy.

Loans in El Paso

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a El Paso home you'll live in, with local down payment help. FHA in El Paso → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a El Paso rental on the property's rental income. DSCR in El Paso → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

El Paso mortgage FAQ

What is the 2026 FHA loan limit in El Paso?: $541,287 for a one-unit home in El Paso County, the national FHA floor.
Can I use a VA loan near Fort Bliss?: Yes. With full entitlement there is no VA loan limit, and you can usually rent the home out after a PCS move.
Are El Paso rentals good for DSCR loans?: Often. Prices are moderate and military rental demand is steady. We run the full payment with real taxes and insurance before you offer.
Is Nick Grisanti licensed to lend in El Paso?: Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.