Why do property taxes vary so much between Spring neighborhoods?

Many newer neighborhoods around Houston sit inside a municipal utility district (MUD), which adds its own tax line on top of the county, city and school district. Two homes at the same price can carry very different payments. We pull the full tax for the exact address before you make an offer.

How much do I need down for an FHA loan in Spring?

With a 580 credit score or higher, FHA allows 3.5% down. Between 500 and 579, the program asks for 10%. Many lenders set their own minimum a little higher. The down payment can come from a family gift or an assistance program.

What is the 2026 FHA loan limit in Spring?

$541,287 for a one-unit home, per HUD. Above that, a conventional loan reaches $832,750 in 2026, and a jumbo loan covers more.

Which Texas programs help with the down payment?

TDHCA's My First Texas Home and My Choice Texas Home offer up to 5% of the loan, and TSAHC's Home Sweet Texas also offers up to 5%. Each has income limits. Credit minimums sit around 620, though TSAHC asks for 640 on conventional loans and on FHA loans that need manual underwriting. We check which one fits your file.

Do you work in Spanish?

Yes. The whole process can run in Spanish, from the first call to closing. Call 832-990-1966.

Houston area

FHA loans in Spring, TX

Buy in Spring with an FHA loan and a low down payment. Our Houston team compares your file across multiple lenders, checks which Texas program can help with the down payment, and pulls the full property tax on the address before you make an offer.

Get Pre-Approved Today Call 832-990-1966

At a glance

County

Mostly Harris; some Spring addresses are in Montgomery

School district

Spring ISD or Klein ISD (Conroe ISD for Spring addresses in Montgomery County)

2026 FHA limit

$541,287 (one unit)

2026 conforming limit

$832,750

Homestead exemption

$140,000 off school taxable value

Down payment help

Spring is not an incorporated city, so the county decides which local help applies. Most Spring homes are in Harris County, whose down payment program has reached capacity and now only takes Hurricane Beryl and derecho affected households. Spring addresses in Montgomery County fall outside that program. We check the property's county first. TDHCA and TSAHC remain open in both.

Statewide programs for every city here: TDHCA My First Texas Home and My Choice Texas Home (up to 5% of the loan) and TSAHC Home Sweet Texas (up to 5%). Income limits apply. Credit minimums sit around 620, though TSAHC asks for 640 on conventional loans and on FHA loans that need manual underwriting.

See every assistance program

Questions buyers ask us

Why do property taxes vary so much between Spring neighborhoods?: Many newer neighborhoods around Houston sit inside a municipal utility district (MUD), which adds its own tax line on top of the county, city and school district. Two homes at the same price can carry very different payments. We pull the full tax for the exact address before you make an offer.
How much do I need down for an FHA loan in Spring?: With a 580 credit score or higher, FHA allows 3.5% down. Between 500 and 579, the program asks for 10%. Many lenders set their own minimum a little higher. The down payment can come from a family gift or an assistance program.
What is the 2026 FHA loan limit in Spring?: $541,287 for a one-unit home, per HUD. Above that, a conventional loan reaches $832,750 in 2026, and a jumbo loan covers more.
Which Texas programs help with the down payment?: TDHCA's My First Texas Home and My Choice Texas Home offer up to 5% of the loan, and TSAHC's Home Sweet Texas also offers up to 5%. Each has income limits. Credit minimums sit around 620, though TSAHC asks for 640 on conventional loans and on FHA loans that need manual underwriting. We check which one fits your file.
Do you work in Spanish?: Yes. The whole process can run in Spanish, from the first call to closing. Call 832-990-1966.

Other Houston area cities

Sources

Educational content only; not a commitment to lend or an offer of credit. All loans subject to credit approval, income and asset verification, and property appraisal. Program availability and limits change; checked October 2026. Warens Financial Group, NMLS #2532048. Equal Housing Opportunity.

Your next step

Reading is a start. Knowing where you stand is better.

Every situation is different. Our licensed Houston team can look at your credit, budget, and goals and tell you which programs may fit, en inglés o en español. Free, no obligation, and not a commitment to lend.

Get Pre-Approved Today Call 832-990-1966

Buying in Houston? Start with our Houston mortgage broker page, or see how buying a home with WFG works.