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

In 2025, Convetional loan limit in El-Paso, county of El Paso, TX is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in TX is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in El-Paso, county of El Paso, TX

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

The comparison table applies to zip codes: 79901, 79902, 79903, 79904, 79905, 79906, 79907, 79930, 79932, 79935, 79934, 79936, 79912, 79911, 79835, 79922, 79920, 79927, 79924, 79925, 79915, 79910, 79913, 79914, 79917, 79923, 79926, 79931, 79937, 79940, 79941, 79943, 79944, 79945, 79946, 79947, 79948, 79949, 79950, 79951, 79952, 79953, 79954, 79955, 79958, 79960, 79961, 79968, 79976, 79978, 79980, 79995, 79996, 79997, 79998, 79999, 88540, 88541, 88542, 88543, 88544, 88545, 88546, 88547, 88548, 88549, 88550, 88553, 88554, 88555, 88556, 88557, 88558, 88559, 88560, 88561, 88562, 88563, 88565, 88566, 88567, 88568, 88569, 88570, 88571, 88572, 88573, 88574, 88575, 88576, 88577, 88578, 88579, 88580, 88581, 88582, 88583, 88584, 88585, 88586, 88588, 88590, 88595

Conventional and FHA loan options in El-Paso, TX

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • ERATE®
  • 4701 Patrick Henry Drive, Building 16, Suite 100, Santa Clara, CA, 95054
  • ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer. ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.
  • Demo Account - CSO #5
  • 3965 Freedom Circle, Suite 750, Santa Clara, CA, 95054
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • VVR Loans
  • 831 Transil Circle, Santa Clara, CA, 95054
  • VVR Loans, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
  • King of Loans
  • 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Equity Zone Mortgage
  • 7811 Laguna Blvd, Suite 110, Elk Grove, CA, 95758
  • The Equity Zone Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.
  • Vantage Point Mortgage, Inc.
  • 5800 Jameson Court, Suite 10, Carmichael, CA, 95608
  • Vantage Point Mortgage was established in June of 1990. We specialized with borrowers who had credit problems. After several years of business, we were ranked 24th out of 100 as one of the fastest-growing companies by The Sacramento Business Journal. Our competition was new technology, health care, and many others.
  • Beatific Associates Inc.
  • 9205 Daylor Street, Elk Grove, CA, 95758
  • Experienced Real Estate Broker & Mortgage Banker with a demonstrated history of Success, Operates as CEO of Beatific Associates Inc.( Real Estate Brokerage BRE#02056389 & Mortgage Banker NMLS#1724782 ) . Skilled in Negotiation, Private Money, Conventional Loans U.S. FHA Financing, U.S. VA Loans, USDA Loans of Investment Properties, 1031 Exchange.
  • Clear Point Mortgage
  • 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • GOLDEN RATE SERVICES LLC
  • 5023 El Camino Avenue, Carmichael, CA, 95608
  • At Golden City Home loans. We are a full-service mortgage company based in Carmichael, California. We specialize in First Time Home Buyers in Carmichael. We also serve the surrounding cities in Sacramento County, including zip code. We can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
  • Big Valley Mortgage
  • 9250 Laguna Springs Dr #200, Elk Grove, CA, 95758
  • Founded in 1990, Big Valley Mortgage is one of the fastest growing full-service mortgage bankers serving our local communities with branch locations in Reno, throughout the Sacramento Valley, and into the Central Valley. At Big Valley Mortgage, we are passionately committed to serving our clients by delivering honesty
  • Mortgage Tree Capital
  • 9281 Office Park Circle Suite 158, Elk Grove, CA, 95758
  • Mortgage Tree Capital is a specialty finance company that originates, purchases, sells, and services mortgage loans secured primarily by first mortgages on single-family residences. Headquartered in Elk Grove (Sacramento County), California, Mortgage Tree Capital and Mortgage Tree Reality is a wholly owned subsidiary of Mortgage Tree Capital Inc.
  • Asher Evans
  • 4901 Marconi Ave, Carmichael, Carmichael, CA, 95608
  • Asher Evan Investments uses private investors to fund its First Trust Deed private mortgage loans. Private loans are made against standing Commercial, Multi-family and Residential investment properties. All loans are in 1st position, a priority position over other liens or encumbrances.