FHA VS Conventional loan programs in 2025 for 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


  • Town Square Financial
  • 8552 Murray Grey, San Antonio, TX, 78254
  • At Town Square Financial, we understand that time is critical, and traditional banks can make the process unnecessarily slow and complex. That’s why we’ve streamlined our approval process to get you funded fast—with fewer conditions and no red tape. Whether you've been turned down by other lenders or need quick financing to seize an opportunity, we
  • Credit Human Federal Credit Union
  • 7915 W Loop 1604 N, Suite 111, San Antonio, TX, 78254
  • In 2016, SACU became Credit Human. Our new name reflects the San Antonio values that have guided us since we started here in 1935—a belief in others, giving credit to the dreams of our members, and being more human by treating each other with the respect that all of us deserve. This new name extends that belief to every member we serve
  • Union Square Credit Union
  • 1401 Holliday St, Wichita Falls, TX, 76301
  • Union Square is the largest credit union in the Texoma Area. We are here to serve you, our members, with the best products available and the most competitive rates around. We are people helping people. We are.... Your Financial Center of Choice! Union Square Credit Union's field of membership is open to those who have the following common bond
  • Texoma Community Credit Union
  • 807 8th St, Suite 100, Wichita Falls, TX, 76301
  • Texoma Community Credit Union has served 11 counties surrounding Wichita Falls, Texas since 1953 with a full range of banking services. We are not a big bank, but a financial cooperative. This means every member gets a vote, and our profits go back into the community each year, rather than into the hands of shareholders.
  • Delta County Federal Credit Union
  • 100 Circle Drive, Delta, CO, 81416
  • It is the mission of Delta County Federal Credit Union to offer products and services which meet the financial needs of our present and future members. DCFCU will strive to ensure long-term financial stability by providing products and services in a manner consistent with high standards of quality, at the fairest price.
  • Expedient Mortgage
  • 15900 La Cantera, Suite 26235, San Antonio, TX, 78256
  • Expedient Mortgage is the trusted, local APM division that caters to the specific needs of your community. Like APM, Expedient Mortgage’s mission is to create experiences that matter while serving your home financing needs.Whether you are buying your first home, a new investment property or building your dream home.
  • La Cantera Loans
  • 15900 La Cantera Parkway, Suite 26225, San Antonio, TX, 78256
  • "Our experienced loan officers will find the best mortgage options and loan programs tailored to your needs. Our bilingual staff will answer any questions you have before, during and after the home buying process to keep you informed every step of the way. Located in San Antonio, Texas, The La Cantera at Directions Home Loan team works"
  • Air Force Federal Credit Union
  • 1560 Cable Ranch Road, Suite 200, San Antonio, TX, 78245
  • AFFCU (Air Force Federal Credit Union) is a full-service financial organization based in San Antonio, Texas. We offer banking products including savings, checking, money market accounts, certificate accounts, and more. We also provide auto loans, personal loans, mortgage loans, home equity loans, Visa credit cards, and more.
  • Next Gear Mortgage Company
  • 16840 Drennan Rd, Colorado Springs, CO, 80928
  • Next Gear Mortgage Company is a Independent Mortgage Broker Company. We dont work for one particular lending institution nor are we tied to just one product line. Not all people and buying situations fit in a traditional bank lending. Which is why Next Gear Mortgage Company was formed. We have a wide range of excellent lenders
  • Collegiate Peaks Bank
  • 105 Centennial Plaza, Buena Vista, CO, 81211
  • Collegiate Peaks Bank, Division of Glacier Bank is a growing community bank, serving personal and commercial customers. We currently have four bank Branches, in Salida, Buena Vista, Denver-RiNo, Denver-Belcaro and in February, 2020 we will be opening a Branch in the Denver Tech Center.
  • Novus Home Mortgage, a division of Ixonia Bank
  • 2119 McCulloch Blvd N, Lake Havasu City, AZ, 86403
  • We offer full documentation, no documentation, bank statement programs, DSCR (Investment properties), asset depletion, land loans, commercial, OTC construction and cross-collateralized loans too. My commitment to honesty and integrity and extensive knowledge have made me a “go-to guy” for borrowers and other mortgage and real estate professionals.
  • HORIZON COMMUNITY BANK
  • 225 N. Lake Havasu Ave., Lake Havasu City, AZ, 86403
  • Chartered in 2002, one of the older charters in the state and one of only 13 charters in Arizona, Horizon Community Bank initially opened in Lake Havasu City and soon expanded throughout Mohave and La Paz Counties. In 2015, Horizon Community Bank entered the Greater Phoenix Metro market.