FHA VS Conventional loan programs in 2026 for El-Paso, El Paso County, Texas

In 2026, the Conventional loan limit in El-Paso, within El Paso county of TX, is $647,200, while the FHA limit stands at $420,680 for single-family homes.

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Use the Lendersa® Conventional loan calculator to compare the best available rates today for Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lays out Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in selecting the best program in TX for your specific financial situation.

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Loan Limits and Down Payment Requirements for 2026 in El-Paso, El Paso County, TX

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

This comparison table is applicable to zip codes: 79901

Options for Conventional and FHA Loans in El-Paso, TX

Lendersa® is committed to getting you the best Conventional, USDA, or FHA loans quickly and without hassle. Choose one of three options to connect with matching lenders and loan programs that suit your needs.

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Lendersa USDA loan request matching outcomes



  • Eagle Home Mortgage
  • 15131 Alton Parkway Suite 235, Irvine, CA, 92618

  • Eagle Home Mortgage has offered full-service home lending and refinancing options to customers. It is Eagle’s mission to remove the barriers to homeownership by providing every customer with an elite team of mortgage advisors, a competitive financial package, and the industry's best digital mortgage experience.


  • Ryan Grant Team - A Professional Mortgage Experience
  • 100 Spectrum Center Dr #750, Irvine, CA, 92618

  • The Ryan Grant Team has been a pioneer in transforming the way that the consumer looks at their mortgage lending relationship. For over 13 years, Ryan and his team of outstanding professionals have provided a level of value to their clients that is not common in the mortgage business.


  • PSG Capital Partners Inc.
  • 16441 Scientific Way, Irvine, CA, 92618

  • PSG Capital Partners Inc. we have over 30 years of real estate analysis, residential and commercial financing (retail and wholesale), underwriting and Trust Deed investing, we have the experience in California and Specialize in the local Orange County market that you can trust. PSG Capital Partners Inc.

  • Carlyle Capital
  • 3 Park Plaza, Suite 780, Irvine, CA, 92618

  • Carlyle Capital is an asset-based private lender and asset management company in the business of deploying capital against real estate,typically as short-term bridge loans to acquire, refinance,re-purpose, or develop real estate holdings.Carlyle Capital’s extensive strategic partners provide the ability to competitively fund deals of any magnitude.

  • LNDR
  • 300 Spectrum Center, Suite 400, Irvine, CA, 92618

  • LNDR can offer help to these entrepreneurial homeowners with our short-term Private Money Financing which offers quick cash for business purposes secured with residential real estate and also provides equity-based private money & alternative documentation loans for residential properties throughout California and Colorado

  • KS Capital, Inc.
  • 16520 Bake Parkway, Suite 105, IRVINE, CA, 92618

  • Parse Mortgage is a California only Southern California Lender property.up to 60% LTV of After Renovation ValueRates as low as 9.95%Must have mimimum 5 flips successfully sold within last 24 monthsBorrower must have liquid funds in excess of amount required to renovate property Maximum Loan Amount.

  • PSG CAPITAL PARTNERS INC.
  • 16441 Scientific Way, Suite #250, Irvine, CA, 92618

  • PSG Capital Partners Inc. we have over 30 years of real estate analysis, residential and commercial financing (retail and wholesale), underwriting and Trust Deed investing, we have the experience in California and Specialize in the local Orange County market that you can trust. PSG Capital Partners Inc. has a large portfolio lender base we have the

  • Commonwealth Mortgage Corp.
  • 11133 Interstate 45 S, Suite 310A, Conroe, TX, 77302

  • The Commonwealth Mortgage Corp Team is your premiere mortgage team located in several locations in Houston, Texas and the surrounding areas. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Texas area.

  • MORTGAGE SOLUTIONS, LP
  • 11133 Interstate 45 S, Suite 310, Conroe, TX, 77302

  • "We are a full-service mortgage brokerage company that is based in Conroe, but serve all of Texas. We’ve been helping customers afford the home of their dreams for many years and we take pride in treating our clients with honesty and integrity.
    Mortgage Solutions LP NMLS #1636721..

  • Call A Friend Financial Services LLC
  • 8003 Duffield Lane, Houston, TX, 77071

  • CAF Financial Services, LLC specializes in providing mortgage services to its clients, including home purchases, standard refinancing, debt consolidation home loans, FHA home mortgages, commercial mortgages, and much more. From pre-approval to closing, our team of mortgage specialists assists clients throughout the entire process.

  • Members Trust of the Southwest Federal Credit Union
  • 2315 Mangum Road, Houston, TX, 77092

  • Members Trust Federal Credit Union is dedicated to the philosophy of “members helping members” in a professional, friendly environment. We have a long history of serving our members, in the Houston Heights and Stephenville communities since 1936. We are a full-service financial institution offering a wide array of products including loans, etc

  • Velocity Home Loans
  • 321 North County Blvd, Suite B, American Fork, UT, 84003

  • Each of the individuals on our team has over 20 years’ experience in the mortgage industry. The Velocity Home Loans team is proud to lead the marketplace with our commitment to the highest standards of excellence, going above and beyond to fulfill the promises we make to our clients and partners
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