FHA Loans in Austin, TX
Low Down Payment. Flexible Credit. Same-Day Approvals.
FHA loans are one of the most popular mortgage options for first-time homebuyers and those with less-than-perfect credit in Austin, Texas. Backed by the Federal Housing Administration, these loans allow qualified borrowers to purchase a home with as little as 3.5% down and more flexible credit requirements than conventional loans. Austin Dell'Abate has helped hundreds of Austin-area families achieve homeownership through FHA financing — with same-day approvals and the fastest closing times in Texas.
Key Benefits
Loan Requirements at a Glance
Frequently Asked Questions
What is the FHA loan limit in Austin, TX?
For 2026, the FHA loan limit for a single-family home in the Austin-Round Rock metro area is $524,225. This means you can purchase a home up to that price with an FHA loan.
Can I use an FHA loan if I've had a bankruptcy?
Yes. FHA guidelines allow borrowers who have been discharged from Chapter 7 bankruptcy for at least 2 years, or Chapter 13 for at least 1 year with court approval, to qualify for an FHA loan.
How long does FHA loan approval take?
With Gavin Lending, we offer same-day pre-approval. Full loan approval typically takes 21–30 days, though we consistently close faster than the industry average.
Is FHA only for first-time homebuyers?
No. While FHA loans are popular with first-time buyers, any qualified borrower can use an FHA loan as long as it will be their primary residence.
FHA Loans Austin TX — Cities We Serve
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