For 2026, the conventional loan limit in Cienegas-Terrace, part of the county of Val Verde, TX, is $647,200. In contrast, the FHA cap for a single-family home is $420,680.
Employ the Lendersa® Conventional loan calculator to examine current rates for Conventional versus FHA and USDA loans, and determine the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side to decide which option in TX best suits your financial situation.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $285,000 | 0% |
| FHA | $420,680 | 3.5% |
Comparison is applicable to the zip codes: 78840
The mission of Lendersa® is to deliver the best possible Conventional, USDA, or FHA loan quickly and with minimal hassle. Choose one of three starting options to connect with different lenders and their loan offerings.
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