--- title: "Texas Reverse Mortgage Guide (HECM 2026)" description: "Texas HECM reverse mortgage guide for homeowners 62+. Learn how Texas Constitution Article XVI Section 50(k) affects your transaction, including the 12-day wa" lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "WebSite", "name": "HECMAcademy", "url": "https://hecmacademy.com", "description": "Independent, plain-English reverse mortgage education for U.S. homeowners age 62 and older. 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Understand FHA lending limits, how HUD-approved counseling works, and whether your Texas property qualifies.", "url": "https://hecmacademy.com/reverse-mortgage/texas", "areaServed": { "@type": "State", "name": "Texas" }, "provider": { "@type": "Organization", "name": "HECMAcademy", "url": "https://hecmacademy.com" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Are HECMs available in Texas?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, but Texas has unique state-level rules. HECMs in Texas must be made by FHA-approved lenders licensed in Texas, and the state constitution imposes additional requirements including a 12-day waiting period before closing and a 3-day right of rescission after closing." } }, { "@type": "Question", "name": "Does Texas require additional steps for a reverse mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Beyond the federal HUD counseling requirement, Texas mandates a 12-day waiting period between when you receive the required disclosures and when the loan can close. You also have 3 business days after closing to cancel the transaction. Both protections are required by the Texas Constitution." } }, { "@type": "Question", "name": "How do Texas property taxes interact with a HECM?", "acceptedAnswer": { "@type": "Answer", "text": "HECM borrowers must keep property taxes current. Texas has no state income tax, but property taxes are among the highest in the country. Importantly, Texas offers a property tax freeze for homeowners 65 and older — the school district tax portion is capped at the amount owed in the year you turned 65. This freeze can significantly limit tax increases for HECM holders." } }, { "@type": "Question", "name": "What if I have a HELOC on my Texas home?", "acceptedAnswer": { "@type": "Answer", "text": "An existing HELOC must be paid off and closed at HECM closing. Texas law also limits total home equity debt (including the HECM) to 80% of the appraised value — an important distinction from most states. Make sure to discuss this constraint with a licensed lender." } }, { "@type": "Question", "name": "Where can I find a HUD-approved HECM counselor in Texas?", "acceptedAnswer": { "@type": "Answer", "text": "Use the HUD HECM Counselor Search (link above) filtered to Texas. Texas has a large network of HUD-approved agencies in Dallas, Houston, San Antonio, and Austin. Spanish-language counseling is widely available." } } ] } ] --- Free HECM guidance — no sales pressure Mon–Fri, 9am–6pm ET [Contact](/contact) [![HECMAcademy — reverse mortgage education](/__l5e/assets-v1/11c6d22b-7f84-4add-8068-34dad2c8a5b7/hecmacademy-logo.png)](/) [How it works](/#how) Learn [Free Guide](/guide)[FAQ](/faq)[Blog](/blog)[Retirement Tax Guide](/retirement-tax-guide)[Heirs Guide](/heirs-guide) By State [California](/reverse-mortgage/california)[Texas](/reverse-mortgage/texas)[Florida](/reverse-mortgage/florida)[Arizona](/reverse-mortgage/arizona)[Colorado](/reverse-mortgage/colorado)[Virginia](/reverse-mortgage/virginia)[Utah](/reverse-mortgage/utah)[Washington](/reverse-mortgage/washington)[Ohio](/reverse-mortgage/ohio)[Illinois](/reverse-mortgage/illinois)[Maryland](/reverse-mortgage/maryland)[North Carolina](/reverse-mortgage/north-carolina)[Oregon](/reverse-mortgage/oregon)[Hawaii](/reverse-mortgage/hawaii) [All states →](/reverse-mortgage) [Calculator](/calculator)[About](/about) [Expert advisor (888) 203-8887 Mon–Fri, 9am–6pm ET ](tel:+18882038887)[Check Eligibility](/#quickcheck) [](tel:+18882038887)[Check Eligibility](/#quickcheck) [HECMAcademy](/) / [State Guides](/reverse-mortgage) / Texas State Guide # Reverse Mortgage (HECM) Guide for Texas Homeowners 62+ Texas has approximately 1.4 million homeowner households led by someone 62 or older — one of the largest totals of any state. With a median home value of $310,000, Texas homeowners have seen significant equity gains in recent years, particularly in Dallas-Fort Worth, Houston, Austin, and San Antonio. A HECM can help Texas seniors access that equity without monthly mortgage payments. Source: U.S. Census Bureau ACS 2022 1-Year Estimates (Table B25077); U.S. Census Bureau ACS 2022 1-Year Estimates (Table B25007) 2026 FHA Lending Limit ## $1,249,125 Texas's median home values fall well below the 2026 FHA HECM limit of $1,249,125. Most Texas homeowners can access the full available equity through a HECM. Luxury Austin and Dallas properties occasionally approach the cap but rarely exceed it. Source: HUD Mortgagee Letter 2025-21 ## Texas Reverse Mortgage Protections Texas has unique constitutional protections for reverse mortgages. Under Texas Constitution Article XVI, Section 50(k), a HECM in Texas must be made by an FHA-approved lender and requires specific disclosures, a 12-day waiting period between application and closing, and a 3-day right to cancel after closing. Texas also prohibits "equity lending" that leaves insufficient equity to the homeowner — a protection that applies to reverse mortgage transactions. Source: Texas Constitution Art. XVI § 50(k); Texas Finance Code § 159 ## HUD-Approved Counseling in Texas Federal law requires an independent counseling session before any HECM application. Counseling can be done by phone and typically takes 60–90 minutes. [Find a HUD-approved counselor in Texas →](https://hudapps.hud.gov/HUDApps/HECMCounselorsApp/?state=TX) ## Texas HECM FAQ ### Are HECMs available in Texas? Yes, but Texas has unique state-level rules. HECMs in Texas must be made by FHA-approved lenders licensed in Texas, and the state constitution imposes additional requirements including a 12-day waiting period before closing and a 3-day right of rescission after closing. ### Does Texas require additional steps for a reverse mortgage? Yes. Beyond the federal HUD counseling requirement, Texas mandates a 12-day waiting period between when you receive the required disclosures and when the loan can close. You also have 3 business days after closing to cancel the transaction. Both protections are required by the Texas Constitution. ### How do Texas property taxes interact with a HECM? HECM borrowers must keep property taxes current. Texas has no state income tax, but property taxes are among the highest in the country. Importantly, Texas offers a property tax freeze for homeowners 65 and older — the school district tax portion is capped at the amount owed in the year you turned 65. This freeze can significantly limit tax increases for HECM holders. ### What if I have a HELOC on my Texas home? An existing HELOC must be paid off and closed at HECM closing. Texas law also limits total home equity debt (including the HECM) to 80% of the appraised value — an important distinction from most states. Make sure to discuss this constraint with a licensed lender. ### Where can I find a HUD-approved HECM counselor in Texas? Use the HUD HECM Counselor Search (link above) filtered to Texas. Texas has a large network of HUD-approved agencies in Dallas, Houston, San Antonio, and Austin. Spanish-language counseling is widely available. ### Compare nearby states - [Reverse Mortgage Guide for Florida →](/reverse-mortgage/florida) - [Reverse Mortgage Guide for Arizona →](/reverse-mortgage/arizona) [Estimate your HECM — Texas homeowners →](/#prequal?src=state_texas) Reviewed by the HECMAcademy Editorial Team · Last updated June 2026 · [How we vet this content](/about#editorial-standards) ## Get the Free HECM Guide (PDF) An 8-page plain-English guide to how the FHA HECM works — sent straight to your inbox. Company website First nameLast name EmailPhoneZIP code Age range 55-6162-6970-7980+ I agree to receive calls and texts from HECM Academy about reverse mortgages. Not required to get the guide. Reply STOP to opt out. Send Me the Guide We never sell your information. [Privacy policy](/privacy-policy). HECMAcademy is not a lender. This is educational information only. By submitting, you agree to receive our free HECM educational guide and follow-up emails. Unsubscribe anytime. Talk to a HUD-approved counselor Free, independent, and required before any HECM. Not affiliated with HECMAcademy. [1-800-569-4287](tel:+18005694287)[Search by ZIP →](https://hud.gov/program_offices/housing/sfh/hcc/hcs.cfm) HECMAcademy Independent education for homeowners 62+ exploring HECM and jumbo proprietary reverse mortgages. Not a lender, broker, or financial advisor. Learn - [Blog](/blog) - [FAQ](/faq) - [Free HECM Guide](/guide) - [Heirs Guide](/heirs-guide) - [Retirement Tax Guide](/retirement-tax-guide) By State - [california](/reverse-mortgage/california) - [texas](/reverse-mortgage/texas) - [florida](/reverse-mortgage/florida) - [arizona](/reverse-mortgage/arizona) - [colorado](/reverse-mortgage/colorado) - [virginia](/reverse-mortgage/virginia) - [utah](/reverse-mortgage/utah) - [washington](/reverse-mortgage/washington) - [ohio](/reverse-mortgage/ohio) - [illinois](/reverse-mortgage/illinois) - [maryland](/reverse-mortgage/maryland) - [north carolina](/reverse-mortgage/north-carolina) - [oregon](/reverse-mortgage/oregon) - [hawaii](/reverse-mortgage/hawaii) [About](/about)[Contact](/contact)[Privacy](/privacy-policy)[Terms](/terms)[(888) 203-8887](tel:+18882038887) © 2026 HECMAcademy. All information is educational and not a loan commitment. HECM borrowers must remain current on property taxes, insurance, and maintenance. 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