FHA VS Conventional loan in Decatur, Wise County, Texas

In 2026, the Conventional loan limit for Decatur, located within Wise county, TX, is $726,200. Conversely, the FHA limit for a single-family home is $531,300.

Utilize Lendersa®'s advanced Conventional loan calculator to compare today's top rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our tool offers side-by-side analysis of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the most suitable program for your specific financial needs in TX.

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Loan Limits and Down Payment Requirements for 2026 in Decatur, Wise, TX

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $360,600 0%
FHA $531,300 3.5%

The table pertains to the following zip codes: 76234

Exploring Conventional and FHA Loan Options in Decatur, TX

The aim of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan without any hassle. Begin by choosing one of three options that connect you with matching lenders and programs tailored to your needs.

Explore USDA loan requests and results at Lendersa


  • Home Key Loans
  • 3005 Scotch Elm Street, Euless, TX, 76039
  • Home Key Loans, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. residential lending industry

  • Sure Fund Mortgage
  • 4433 Punjab Way, Suite 302, Frisco, TX, 75033
  • We are Sure Fund Mortgage and we are licensed to provide mortgage services for residential properties in Georgia and Texas. We have a team of mortgage experts to guide you through this major financial decision. We will treat you with the respect due a valued customer and give you the personal service you deserve.

  • Alliance Mortgage Group
  • 2770 Main St, Suite 221, Frisco, TX, 75033
  • Alliance Mortgage Group we are here to help you navigate the many different home loan options that are available. Those options include conventional home loans, FHA loans for those looking to purchase a home with little money down or less than stellar credit, VA loans for military personnel, and Jumbo or Super Jumbo loans

  • MORTGAGE PARTNERS OF TEXAS
  • 2770 Main Street, Suite 283, Frisco, TX, 75033
  • Texas Mortgage Partners, LLC is a Mortgage Broker specializing in Conventional, FHA/VA & Jumbo loans throughout Texas. We understand the “city” property as well as the “rural” property. We can also assist in lot loans, construction loans, farm/ranch loans & commercial real estate loans.

  • Texas Bank
  • 901 Santa Fe, Weatherford, TX, 76086
  • In 1999, a group of local Parker County business people pooled their resources and expertise to create a community bank that would meet the needs and exceed the expectations of the residents and businesses of North Central Texas. Today, Texas Bank Financial has grown into an institution with 3 full-services branches

  • Jiwani Financial Group
  • 4156 Comanche Dr, Carrollton, TX, 75010
  • Jiwani Financial Group was established in 2006 and since then we are successfully meeting the objective of helping small and medium size businesses - all over the United States - to acquire Business Loans, Commercial Lines of Credit and Consultancy at most competitive rates and the best suited terms.

  • Homefinity
  • 1800 Golden Trail, Carrollton, TX, 75010
  • "At Homefinity, we understand that your home loan needs to be as unique as your home life.

    Whether you want a fast and convenient process or in-depth guidance, you need someone who can help you move through the process at your pace. With decades of combined experience, our nationwide professionals will coach you through your home investment."

  • Las Colinas Federal Credit Union
  • 555 Cimarron Trail, Irving, TX, 75063
  • The Credit Union was chartered in 1955 by a group of Zale employees and family members. The new credit union was known as Zale Employees Federal Credit Union (ZEFCU).

    During the ’80s, several smaller credit unions merged with ZEFCU (Optical FCU, Sherwin Williams FCU, Golden Acres FCU, Joske’s Employee’s FCU, and Mary Kay Cosmetics FCU)."

  • KBHS Home Loans LLC
  • 8650 Freeport Parkway South, Suite 250, Irving, TX, 75063
  • KBHS offers competitive rates and exceptional service on Conventional, Government (FHA, VA & USDA) and Jumbo Fixed & Adjustable Rate Mortgages with a variety of terms designed to meet the diverse needs of new construction homebuyers. Bond loans and other mortgage products suited for homebuyers are also availab

  • Mr. Cooper
  • 4000 Horizon Way, Irving, TX, 75063
  • We are Mr. Cooper, the nation’s largest non-bank mortgage servicer and a leading mortgage lender. And we’re here to keep the dream of homeownership alive. Our HQ is located in Dallas, TX, with major outposts in Irvine, CA; Chandler, AZ; Longview, TX; Highlands Ranch, CO; and Chennai, India. We have a total of ninety offices all over the USA

  • Best Suited Mortgage, LLC
  • 513 Oak Hollow Lane, Fort Worth, TX, 76112
  • We are Best Suited Mortgage, your local Texas mortgage professionals. As licensed mortgage originators, our reputation is built on professionalism, integrity and the ability to keep transactions on track. We are dedicated to helping our clients obtain a mortgage that fits their specific financial goals.