If you’re selling a home in Texas, chances are it falls within the FHA loan limits, making it eligible for purchase by a buyer using an FHA loan. That means ensuring your home is “FHA-ready” is more crucial than ever to avoid delays and maximize your pool of potential buyers.
Understanding FHA Loan Limits in Texas
As of 2025, the Federal Housing Administration (FHA) has established loan limits for single-family homes based on location and local housing costs.
In Texas, these limits vary by county due to differences in real estate markets:
Most counties follow the national "floor" limit of $524,225.
Higher-cost areas have increased loan limits.
Because FHA loans require the property to meet certain safety, soundness, and security standards, preparing your home in advance can prevent costly delays in the selling process.
Top 4 FHA Issues That Can Stall Your Home Sale
As a certified residential appraiser with over 32 years of experience, I’ve seen the same common issues repeatedly cause appraisal problems for FHA buyers. Here’s what you need to address:
1. Peeling Paint – The #1 FHA Deal Killer
Homes built before 1978 are subject to lead-based paint regulations, making peeling, chipping, or deteriorating paint a major FHA red flag.
This includes decks, fences, and detached structures—not just the house itself.
Tip: Address peeling paint before listing to avoid unnecessary delays.
2. Safety Hazards – Windows, Handrails & Stairs
Windows must be functional (able to open and close) and free of broken glass.
Handrails are required for staircases to meet safety standards.
Security bars on windows must have emergency release mechanisms.
Rule of thumb: If it looks like a safety concern, it will be an issue for FHA financing.
3. Roof Condition – No Leaks, No Missing Materials
The roof must have at least two years of life left—if it’s at the end of its lifespan, it could be flagged for replacement.
Inspect for missing shingles, broken vents, flashing issues, or any leaks.
Proactive step: Have a roofing professional assess any concerns before listing.
4. Functional Utilities & Mechanical Systems
Plumbing: No leaks from faucets or pipes (this is especially critical in colder climates).
Electrical:
Main electrical panel must be intact, with no missing or broken breakers.
Outlet covers and light switch covers must be installed properly.
HVAC: The home must have an operational heating system (A/C is not required, but if present, it must function).
The Role of the FHA Appraiser – What to Expect
An FHA appraiser isn’t a home inspector, but they must check for health and safety issues that could impact the home’s livability. If they find a potential problem, they can require further inspections or repairs, which could delay or derail the sale if not addressed early on.
Sell Faster & Avoid FHA Pitfalls
To ensure a smooth transaction, work with a Realtor who understands FHA guidelines and consult with a local certified appraiser before listing. Taking care of these common FHA issues before the appraisal can help your home sell quickly and without financing roadblocks—and in today’s market, time is money!
Comments