TX mortgage rates

Delta County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Delta County, Texas. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Delta County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Delta County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Delta

A local view of the market.

The real estate market in Delta County, Texas, has seen some fluctuations over the past year. As of October 2024, the median home list price is $219,000, reflecting a decrease of 4.8% from the previous year. The median price per square foot stands at $141, indicating a diverse market with varying home sizes and values. Delta County includes several small towns, with Cooper being the county seat and the largest city. Cooper has a population of around 2,000 residents, offering a small-town atmosphere with essential amenities. Other notable towns include Pecan Gap and Klondike, which contribute to the county's rural charm and community-oriented lifestyle. Living in Delta County offers a predominantly rural experience, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a tranquil environment away from urban hustle. The primary industries include agriculture and small-scale manufacturing, attracting individuals seeking a quieter, more self-sustained lifestyle. Migration patterns suggest that people are moving to Delta County for its affordable housing and the appeal of rural living, making it an attractive option for those looking to escape more densely populated areas.

Questions & Answers

Refinancing in Delta County

Common questions about 2026 loan limits and refinancing opportunities in Texas.

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