Mortgage lender in Fort Bend County, TX

Buying in Fort Bend County

Fort Bend County, with its county seat in Richmond, also takes in Sugar Land, Missouri City, Rosenberg, Fulshear, Stafford and part of Katy. Fort Bend County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Texas, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Texas Department of Housing and Community Affairs (TDHCA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Fort Bend County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Fort Bend County: Sugar Land, Katy and the master-planned communities

Most of Fort Bend is master-planned communities, from Sugar Land and Missouri City to Sienna, Cinco Ranch, Cross Creek Ranch and the new neighborhoods around Fulshear. Each has association dues and sits in a municipal utility district with its own tax rate, which is usually highest in the newest sections. We build the payment from every taxing unit.

Much of the county is in the Brazos River floodplain, and many neighborhoods are protected by levee improvement districts, which also levy a tax. We order the flood determination at the start and suggest a flood insurance quote even where it is not required. New construction is constant, so the rate lock is matched to the builder’s completion date.

Fort Bend County by the numbers

Median home value

$374,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.86% of home value a year: median tax bill $6,965 on a median value of $374,500 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

None. Texas has no real estate transfer tax (Texas Constitution, art. VIII, § 29)

Largest communities

Sugar Land, Missouri City, Houston, Rosenberg (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $374,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Texas

Closings in Texas are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Texas page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Fort Bend County buyers ask

Texas notice. Texas residents: see the Texas complaint notice required by the Department of Savings and Mortgage Lending.

Limits shown are the 2026 FHFA and HUD figures for Fort Bend County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.