FHA VS Conventional loan programs in 2026 for Ferris, Ellis County, Texas

For the year 2026, the county of Ellis within Ferris, TX has a Conventional loan ceiling set at $726,200, whereas the FHA limit for a single-family dwelling is $531,300.

Leverage the Lendersa® Conventional loan calculator for comparing current Conventional rates against FHA and USDA, assessing the Income, credit, reserves, and necessary documents for qualification. With our sophisticated mortgage calculator, you can juxtapose Conforming Conventional loans, USDA, FHA, and VA options to identify which program in TX best suits your financial needs.

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2026 Loan Limits and Downpayment Information for Ferris, County of Ellis, TX

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

This comparison table is relevant for zip codes: 75146

Explore Conventional and FHA Loan Choices in Ferris, TX

The aim of Lendersa® is to facilitate your access to the best Conventional, USDA, or FHA loan swiftly and with ease. You can choose from three initial approaches leading to matched lenders and loan offerings.

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Ferris Lenders

  • Corner Stone Credit Union
  • 130 Historic Town Square, Lancaster, TX, 75146
  • Lends in Texas
  • Corner Stone Credit Union began May 1, 1952 as FFE Operators Credit Union in Room #305 at 318 S. Cadiz, Dallas, TX. We started out with 10 share holders and 18 shares, consisting only of lease operators contracting with the Frozen Food Express, employees of the lease operators, employees of the credit union

  • Trinity Oaks Mortgage
  • 420 Century Way, Suite 100, Red Oak, TX, 75154
  • Lends in Texas
  • Trinity Oaks Mortgage, LLC supports Equal Housing Opportunity. When dealing with home financing, we are not only working with one of our client's largest personal financial investments; we also are handling one of their biggest dreams. Since we work with matters so close to the heart, we serve our clients from ours.

  • LTI Mortgage
  • 1801 North Hampton Road, Suite 415, Desoto, TX, 75115
  • Lends in Texas
  • LTI Mortgage was built on Loyalty, Trust and Integrity. We feel that everyone who wants to own a home should own a home and get a fair deal in the process. We're Here to make sure you get the best mortgage loan possible at a great price. We're a small company with much less overhead than the bigger companies.

  • Second Finance, Lc
  • 4484 South Marsalis Avenue, Dallas, TX, 75216
  • Lends in Texas
  • Second Finance, We are a Non Bank lender that can offer you more home loan products that banks just cannot begin to compete with.We can get you into your home fast. The Banks cannot help themselves. There has been a fundamental shift in regulations that took place in response to the housing crisis.

  • Corporate Capital LLC
  • 610 Uptown Boulevard, Suite 2000, Cedar Hill, TX, 75104
  • Lends in Texas
  • ince 2013, Corporate Capital, LLC has strived to operate as a trusted source for borrowers in need of funding. Our staff is trained to help you get the best loan option for your property or project. We offer the best loan programs designed to meet the needs for the traditional borrowers with verifiable income to the self employed .

  • Citizens National Bank of Texas
  • PO Box 717, Waxahachie, TX, 75168
  • Lends in Texas
  • We believe in mPowering our customers, the importance of giving back to the communities we serve, & we are proud to stand behind our promises.

    In business since 1868, we are the third oldest independent bank in Texas. With current assets over $600 million, we are 10 branches located in 7 cities: Waxahachie, Midlothian, Red Oak, Italy, Cedar Hi

  • Home Loans with Ashley
  • 901 N Zang Blvd, Suite 106, Dallas, TX, 75208
  • Lends in Texas
  • Home Loans with Ashley, where promises are kept and expectations exceeded. Your DREAM HOME is within reach. Ashley Turner epitomizes integrity, hard work, diligence, and creative service in every detail of your mortgage transaction. Ashley have worked in various aspects of the mortgage industry over the past 16 years.

  • Array Capital Investment Co., LLC
  • 1005 W Jefferson, Suite 305, Dallas, TX, 75208
  • Lends in Texas
  • Array Capital Investment Co, LLC. It is here to give you the right loan for your situation, whether you are looking for a loan of 30 or 15 years, we are your solution.We offer a conventional loan of 1% deposit offer many options to get rid of mortgage insurance and We teach you how to get a score higher credit approvals

  • Bosse Lending
  • 422 W 12th St, Dallas, TX, 75208
  • Lends in Texas
  • BOSSE Lending is a hard money lender, focused on real estate investment properties in Texas.In addition to lending, we are able to advise our clients on their investments throughout the process - acquisition, renovation and listing services.BOSSE Lending guarantees a one-time fee at closing.