FHA VS Conventional loan in El-Campo, Wharton County, Texas

In 2026, the limit for conventional loans in El-Campo, within Wharton county of TX, stands at $647,200, whereas for a single-family home the FHA limit is $420,680.

Utilize the Lendersa® Conventional loan calculator to evaluate today's most competitive rates for Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and necessary documents for qualification. This sophisticated tool allows you to compare Conforming Conventional, USDA, FHA, and VA loans side-by-side, aiding your decision on the best program in TX to suit your financial situation.

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2026 Loan Limits and Down Payment Requirements in El-Campo, Wharton County, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table is relevant for zip codes: 77437

Discover Conventional and FHA Loan Options in El-Campo, TX

The mission of Lendersa® is to provide you with the best Conventional, USDA, or FHA loan quickly and efficiently. Choose from three pathways for connecting with matching lenders and appropriate loan programs.

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El-Campo Lenders

  • Turn-Key Mortgage Inc
  • 8218 Summer Breeze Lane, Rosenberg, TX, 77469
  • Lends in Texas
  • As a certified broker Jennifer Brown have beenhelping the people of Houston understand and navigate the complex process of buying or refinancing a property. My services help clients secure the necessary financing for one of life’s most significant purchases. Jennifer committed to easing your concerns and addressing all of your mortgage needs.

  • Houston Federal Credit Union
  • 16320 Kensington Dr, Sugar Land, TX, 77479
  • Lends in Texas
  • The Mission of Houston Federal Credit Union is to “Be our members’ advocate by helping them achieve their dreams with personalized financial solutions”. Our Mission Statement was adopted in February 2007. Originally chartered as Fluor Mid-Continent Employees Federal Credit Union, HFCU now has the strength of over $700 million in assets.

  • Pioneer Finance
  • 13310 University Boulevard, Sugar Land, TX, 77479
  • Lends in Texas
  • Pioneer Finance is a direct private lender that helps investors get financing through loans. Over 50 years of collective experience has awarded Pioneer with the right combination of industry knowledge & financial strength to help investors get the funding they need. We offer a variety of loan products and flexible loan terms.

  • Sims Mortgage Team
  • 2245 Texas Drive, Suite 300, Sugar Land, TX, 77479
  • Lends in Texas
  • Sims Mortgage Team is a completely independent loan brokerage and advisory service. We’re a Texas and soon to be a California based mortgage brokerage. We also know that given our advice and guidance to help you become a better borrower, if we don’t earn your business today, we know we’ll most certainly earn your respect and referrals tomorrow.

  • Acacia Mortgage Finance Group Inc
  • 4619 St. Michaels Court, Sugar Land, TX, 77479
  • Lends in Texas
  • Acacia Mortgage Finance Group is your premier mortgage broker and funding source for your residential mortgage need. Whether you plan to purchase or refinance our knowledgeable loan officers are ready to help you realize or maintain your dream of homeownership. We specialize in Conventional and FHA financing for purchases, refinance and investment.

  • Home4U Mortgage
  • 16754 Southwest Fwy, Suite B, Sugar Land, TX, 77479
  • Lends in Texas
  • Home4U Mortgage We truly understand that the home loan process can be tedious. Don't worry – our mortgage loan advisors carefully walk all our home buyers through the required paperwork and provide answers to the questions the home mortgage process can create. Our commitment to you is that we will make the process of getting your Home Mortgage Loan

  • Home Trust Financing, LLC
  • 2245 Texas Dr, Suite 300, Sugar Land, TX, 77479
  • Lends in Texas
  • HomeTrust Financing has set the standard for processing home loans with trust, honesty, and integrity. We love helping home buyers achieve “The American Dream.” We believe that building wealth shouldn’t require a perfect credit score and having to put down a significant amount of money. Our mission is to make you a homeowner with financing.

  • CHAMPIONS MORTGAGE
  • 16525 Lexington Blvd, Suite 200, Sugar Land, TX, 77479
  • Lends in Texas
  • Founded on the principles of honesty, integrity, and transparency, Champions Mortgage provides a stress-free mortgage experience for all our clients through dedication, education, and commitment. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.

  • Ladiya LLC
  • 24839 Crystal Leaf Lane, Katy, TX, 77494
  • Lends in Texas
  • We develop relationships that make a positive difference in the lives of our customers. At Ladiya Mortgage we are committed to providing our clients with an exceptional level of customer service that is superior to our competitors. Bhanuchand Paruchuri Mortgage Broker at Ladiya Mortgage.