FHA VS Conventional loan programs in 2026 for Bastrop, Bastrop County, Texas

For 2026, the maximum limit for a Conventional loan in Bastrop, located in Bastrop county of TX, is $726,200, whereas the FHA limit for a single-family residence is $571,550.

Access the Lendersa® Conventional loan calculator to contrast today's rates for Conventional, FHA, and USDA, identifying key qualifications like income, credit scores, reserves, and paperwork required. The advanced mortgage calculator displays Conforming, USDA, FHA, and VA options side by side, aiding your decision on the best program for your financial needs in TX.

Discover and compare loan offers from 100 varied lenders

2026 Loan Limits & Down Payment Requirements in Bastrop, Bastrop County, TX

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

This comparison is applicable to these zip codes: 78602

Exploring Conventional and FHA Loan Alternatives in Bastrop, TX

Lendersa® is dedicated to helping you obtain the most suitable Conventional, USDA, or FHA loan swiftly and without the usual hassle. Start by choosing one of three different pathways leading to matched lenders and loan programs.

Results of Lendersa USDA loan request and matching


Bastrop Lenders

  • The First National Bank of Bastrop
  • 489 Highway 71 W, Bastrop, TX, 78602
  • Lends in Texas
  • The arrival of the railroad in Bastrop during the 1880s injected a fresh spirit of progress in the community. This economic upswing opened the way for three forward thinking venture capitalists to open Bastrop County Bank, which was soon bought out by local business men and renamed The First National Bank of Bastrop in August of 1889.

  • A Plus Federal Credit Union
  • 6420 E US 290 SVRD, Austin, TX, 78723
  • Lends in Texas
  • At A+FCU, we don’t have customers, we have members. That means we’re all in this together, and when one member does well, we all share the benefits.

    Our purpose is to educate each and every member and give them the right guidance for their unique financial situation. By giving our members the knowledge, resources,

  • LCRA Credit Union
  • 3505 Montopolis Drive, Austin, TX, 78744
  • Lends in Texas
  • Since its inception in 1940 the Lcra Credit Union has been serving its members in the Austin, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here.

  • PeopleFund
  • 2921 E. 17th Street, Building D, Suite 1, Austin, TX, 78702
  • Lends in Texas
  • PeopleFund creates economic opportunity and financial stability for underserved people by providing access to capital, education and resources to build healthy small businesses. PeopleFund believes that healthy small business growth is the key to economic recovery and development and that every person.

  • Park Place Funding, LLC
  • 2220 E Cesar Chavez St, Austin, TX, 78702
  • Lends in Texas
  • Park Place Funding, LLC was started in 2015 and is based in Austin, Texas. We provide short-term, asset-based loans for non-owner occupied properties in the major markets of Central Texas, including Austin, Dallas, San Antonio, and the surrounding areas. Our loans are secured by a first lien against the property.

  • Loan Ranger Capital
  • 1800 E 4th St, Suite 170, Austin, TX, 78702
  • Lends in Texas
  • Loan Ranger Capital provides funding to real estate investors all over the state of Texas and has become highly regarded as one of Texas’s best funding sources for real estate investments.Loan Ranger Capital is different than other hard money lenders. We’re locally based and take pride in our first-hand market knowledge.

  • First-Lockhart National Bank
  • 111 S. Main Street, Lockhart, TX, 78644
  • Lends in Texas
  • The first bank to be organized in Lockhart, Texas, the First National Bank of Lockhart was opened April 15, 1889 by James G. Burleson. Burleson was the brother of cabinet member and Postmaster General Albert Sidney Burleson. The board of directors included many of the men that played an important part in the development of Lockhart

  • Texas Real Estate Finance, LLC
  • 111 Congress Avenue, Suite 500, Austin, TX, 78701
  • Lends in Texas
  • Founded in late 2020 with a concept from 2018, Texas Real Estate Finance, LLC is a brand headquartered Austin, TX, and offers multiple real estate financing options for clients from first time homeowners to seasoned investors in the multifamily residential space.

    What makes TREF, LLC stand out from the retail lenders is a dedicated local team.

  • Adelo Mortgage
  • 904 West Ave, Suite 150, Austin, TX, 78701
  • Lends in Texas
  • Adelo Mortgage is a boutique firm specializing in residential mortgage financing. The ethos of Adelo is to deliver a personal service that produces tailor-made mortgage solutions through a client centric approach that infuses a high level of efficiency with flexibility. The company belief is that all their clients should have the best available.