State rules / High-Cost Thresholds
Texas high-cost thresholds
Texas has a high-cost home loan law that incorporates the federal HOEPA rate and fee thresholds but is stricter in scope. It includes purchase-money residential mortgage transactions (which federal HOEPA generally excludes) if the loan amount is at least $20,000 and meets the rate or fee triggers. Additionally, the principal amount cannot exceed one-half of the maximum conventional loan amount established by FNMA, which is lower than the federal conforming loan limit.
High-Cost Thresholds in other states
Researched and verified against primary sources by AI, with the controlling citation above. Not human-reviewed and not legal advice — confirm against the cited source before relying on it. Last updated July 6, 2026.