What Are the Conforming Loan Limits in DFW for 2025?

If you are planning to buy or refinance a home in the Dallas–Fort Worth area in 2025, one important factor to understand is the conforming loan limit. Conforming loan limits are the maximum amounts that Fannie Mae and Freddie Mac will purchase or guarantee on conventional mortgages. Knowing these limits can help you decide whether your loan will be considered conforming or jumbo.

According to the Federal Housing Finance Agency, the 2025 conforming loan limit for a one‑unit property is $806,500 in most areas, including Dallas County and Smith County.

What Does the $806,500 Limit Mean?

For 2025, the baseline conforming loan limit for single‑family homes is $806,500 nationwide. That means conventional loans up to this amount are viewed as conforming by the agencies that buy and guarantee loans. Conforming loans generally have lower interest rates and more lender options than loans above the limit.

In the Dallas–Fort Worth area, including cities like Dallas, Fort Worth, Arlington, Plano, and Tyler, the conforming limit remains at this baseline. In Smith County, which includes Tyler and nearby communities, the limit is also $806,500 for a one‑unit property.

What About Multi‑Unit Properties?

Conforming limits apply to properties with more than one unit as well. For example, the limits for two‑unit, three‑unit, and four‑unit properties are higher. Typical limits in 2025 include:

• Two‑unit properties: around $1,032,650

• Three‑unit properties: around $1,248,150

• Four‑unit properties: around $1,551,250

These higher limits reflect the increased value and loan size associated with multi‑family homes and allow buyers to finance larger properties under conventional guidelines.

Why Conforming Loan Limits Matter

Understanding the conforming loan limits in DFW can help you plan your home purchase or refinance more effectively. Here is why they matter:

Better Rates
Conforming loans often have more competitive interest rates than jumbo loans. Staying within the limit can save you money over the life of your mortgage.

More Lender Options
Many lenders prefer conforming loans because they are easier to sell to Fannie Mae or Freddie Mac, which keeps liquidity in the mortgage market.

Buying Power
Knowing the limit helps you set realistic expectations for the price range you can finance with favorable terms. If you find a home above the conforming limit, you may still buy it, but financing terms may be stricter.

What If Your Loan Exceeds the Limit?

If your planned loan amount exceeds $806,500 in DFW for 2025, your mortgage would likely be considered jumbo. Jumbo loans are still available, but they often have stricter credit score requirements, larger down payment needs, and higher interest rates than conforming mortgages. A lender or mortgage professional can help you understand whether a jumbo loan or another strategy makes sense for your goals.

Bethany Ashby at easttexaslending.com/home works with buyers to analyze their options in light of local conforming limits and personal financial goals so they can choose the best financing path.

Final Thoughts

For most buyers in the Dallas–Fort Worth area in 2025, the conforming loan limit for a single‑family home is $806,500. This limit applies in both Dallas County and Smith County and forms a baseline for conventional mortgage amounts that qualify for favorable terms with Fannie Mae and Freddie Mac.

If you want help figuring out how these limits affect your homebuying or refinance plans, connect with Bethany Ashby at easttexaslending.com/home. She can help you explore your loan options and make confident decisions about your financing.

Sources:
FHFA.gov, USHousingData.com, FHAHandbook.com, Bankrate.com