FHA VS Conventional loan programs in 2025 for Henrietta, Clay County, Texas

In 2025, the conventional loan cap in Henrietta, Clay county, TX, is $726,200, while the FHA limit for a single-family house is $472,030.

Use the Lendersa® Conventional loan calculator to compare today's top rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator showcases Conforming Conventional loans, USDA, FHA, and VA in comparison to aid in selecting the right program for you in TX.

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Henrietta, Clay, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Applicable zip codes for this data: 76365

Conventional and FHA Loan Options in Henrietta, TX

The objective of Lendersa® is to provide an effortless path to obtaining the best Conventional, USDA, or FHA loan quickly. Choose one of three options to connect with compatible lenders and programs.

Lendersa USDA loan requests and matching outcomes


  • Conquest Financial Corp.
  • 1028 S. San Gabriel Blvd, San Gabriel, CA, 91776
  • Conquest Financial provide mortgage advice to our clients. We try to step into the eyes of our clients. We understand the anxiety involved with purchasing a home. Our loan management process is aimed at transforming the home buying process into an enjoyable experience: the way it should be. We eliminate the unknown by helping our clients.
  • First Professional Finance Corporation
  • 501 South San Gabriel Boulevard, Unit 203, San Gabriel, CA, 91776
  • At First Professional Finance Corporation we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" & will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • East Star Mortgage
  • 1045 East Valley Boulevard, Suite A109, San Gabriel, CA, 91776
  • Founded in 2001, East Star Mortgage is a trusted residential mortgage direct lender that provides high quality in-house processing, underwriting and funding to real estate professionals and individual home buyers throughout California. With over 15 years of experience, East Star Mortgage is able to walk you through a smooth and organized loan.
  • Southland Credit Union
  • 10701 Los Alamitos Blvd, Los Alamitos, CA, 90720
  • Southland Credit Union was founded in 1936 to serve the financial needs of Los Angeles County employees. Today we are one of the top-performing credit unions nationwide and have over $1 billion in assets. Our Member-owners benefit from a full spectrum of competitive products, convenience and exceptional service.
  • CLS Financial
  • 4450 Cerritos Ave, Los Alamitos, CA, 90720
  • CLS Financial, we apply these four principles to every aspect of our loan process: Personal touch and experience; Purpose; a Proactive approach and we do it all with Passion for providing the best options for our clients Our team is committed to providing our clients with the highest quality financial services combined.
  • LC Finance Company
  • 4332 Cerritos Ave, Suite 108, Los Alamitos, CA, 90720
  • We provide mortgage loans for purchases, refinances and home equity cash out for all types of residential homes. We have different types of mortgages, fixed or adjustable loans and conventional or government loans (VA, FHA). We will find the loan most suited to your needs. There are loan limits in each county which will also help.
  • Basis Point Home Loans
  • 10732 Los Vaqueros Circle, Los Alamitos, CA, 90720
  • "At Basis Point Mortgage. We are a full-service mortgage company based in Centennial, CO. We specialize in delivering digital mortgages in Colorado and California Faster. Easier. Cheaper. Whether you are buying or refinancing a home or have other mortgage needs, put our over 30 years of lending knowledge to work for you."
  • Investors Mortgage
  • 3700 Katella Avenue, Suite 206, Los Alamitos, CA, 90720
  • Investors Mortgage Provides competitive results for real estate Investors, Developers, and Owner-Occupants. For over 20 years Investors Mortgage has been arranging financing for Single Family, Apartments, Office, Retail and Mixed-use real estate. and also We offer conventional as well as Governmental type financing for both first time buyers.