Mortgage lender in Travis County, TX

Buying in Travis County

Travis County, with its county seat in Austin, also takes in Pflugerville, Lakeway, Manor, Bee Cave, Lago Vista and part of Cedar Park. Travis 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

$571,550 (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. Travis 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.

Travis County: Austin

Austin prices are the highest of the large Texas cities, and many purchases west of the city and around the lakes are jumbo loans. A large share of buyers work in technology and are paid partly in stock; vested and continuing stock compensation can often count as income, under each program’s rules.

Central Austin has many condominiums and lots with a second small house behind the first; tell us how the property is set up, because the type changes the loan. Pflugerville and Manor, to the east, have newer and more moderately priced subdivisions, often with a utility district tax. In the hills to the west, wildfire exposure and flood-prone creeks both affect insurance.

Travis County by the numbers

Median home value

$523,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.48% of home value a year: median tax bill $7,727 on a median value of $523,000 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

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

Largest communities

Austin, Pflugerville, Lakeway, Steiner Ranch (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $523,000. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $571,550.

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 Travis 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 Travis County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.