FHA VS Conventional loan in Austin, Travis County, Texas

In 2026, the Conventional loan limit for Austin in Travis, TX, is $726,200, while the FHA cap for a single-family home is $571,550.

Utilize the Lendersa® Conventional loan calculator to compare the top rates for Conventional, FHA, and USDA loans today. Determine income, credit, reserves, and documents needed to qualify. Our advanced calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting the best program in TX for your finances.

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Loan Limits and Down Payment Requirements for 2026 in Austin, Travis County, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $386,400 0%
FHA $571,550 3.5%

This table is relevant for the following zip codes: 78749

Loan Options for Conventional and FHA in Austin, TX

Lendersa® strives to find you the best Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of three options that lead to matching lenders and loan programs.

Lendersa USDA loan request match results


Austin Lenders

  • PREMIER RESIDENTIAL MORTGAGE OF TEXAS
  • 5901 Old Fredericksburg Rd, Suite C103, Austin, TX, 78749
  • Lends in Texas
  • Premier Residential Mortgagae of tx goal is to exceed your expectations during the home financing process. We will achieve this by carefully explaining the process, researching and providing advice on the best available product(s) for your family, and keeping you informed while meeting the closing date

  • Park Place Finance LLC
  • 7000 North Mopac Expressway, Suite 200, Austin, TX, 78739
  • Lends in Texas
  • Put our speed, responsive service, and simple hard money loan products to work for you.

    Our loan officers can help you in your next fix-and-flip, rental property, ground-up construction, and refinance with close rates as quick as 5 days!

    If you have a viable exit strategy that is short-term—within 12 months of the funding of the loan—Park Pla

  • Austin Mortgage Lending
  • 3305 W Slaughter Lane, Austin, TX, 78748
  • Lends in Texas
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • USA Lending Group, Inc
  • 1200 Barton Creek Blvd, Unit 64, Austin, TX, 78735
  • Lends in Texas
  • We are a technology-driven company and offer a level of customer service second to none. “Low Rates, Low Fees, and Fast Closings, ” is our motto and describes why Texas residents choose USA Lending Group for their Texas Home Loans. With an array of Texas home loan programs to choose from,

  • Bentley & Leenher Mortgage Consulting, LLC
  • 5307 Highway 290 West, Building B, Suite 5, Austin, TX, 78735
  • Lends in Texas
  • We know that each customer has specific needs, and here at Bentley & Leenher Mortgage Consulting, we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you are looking for. With a variety of loan programs

  • Waterloo Lending Company
  • 5506 West Highway 290, Suite 300, Austin, TX, 78735
  • Lends in Texas
  • Waterloo Lending is about creating opportunities for people to take advantage of the best loan products in the industry. In today’s booming housing market, Jason knows it’s more important than ever to have a knowledgeable, communicative, professional lender who will take the time to understand your unique dreams you to seize your perfect.

  • 56 Home Loans
  • 4707 Trail Crest, Austin, TX, 78735
  • Lends in Texas
  • "56 Home Loans As a mortgage broker, we’re different. We monitor the pricing, loan programs and service levels of over 40 wholesale mortgage lenders to help place our clients with a more competitive mortgage.
    An expert review of your current financial situation and personal goals.
    Customized loan options to meet your goals and save you money."

  • COUNSELORS MORTGAGE CORP
  • 5500 Travis Green Lane, Austin, TX, 78735
  • Lends in Texas
  • Counselors Mortgage Corporation is a residential mortgage lender founded We provide residential mortgage solutions for homeowners, home-buyers and their realtors. We offer a full range of loan products including conventional, FHA, VA and USDA loans, at competitive interest rates.

  • Barton Hills Mortgage
  • 1900 Barton Hills Drive, Austin, TX, 78704
  • Lends in Texas
  • Ashley Hall is a trusted loan specialist and the President/Owner of Barton Hills Mortgage LLC with over 10 years of experience in the residential lending business. She has built her business solely by referrrals of past clients, loyal business partners, and trusted real estate professionals. Ashley is passionate.