Explore the differences! FHA VS Conventional loan programs in Highlands, Harris County, Texas

For 2026, the Conventional loan limit in Highlands, located in Harris county, TX, is $726,200, while the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the best rates for Conventional, FHA, and USDA loans today. Discover the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side-by-side, guiding you to select the best program for your financial needs in TX.

Compare loan offers from over 100 lenders

2026 Loan Limits and Downpayment Requirements in Highlands, Harris, TX

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

This table applies to the following zip codes: 77562

Available Conventional and FHA Loan Options in Highlands, TX

The goal of Lendersa® is to quickly secure the best Conventional, USDA, or FHA loan without hassle. Choose from three starting options that result in matching with suitable lenders and loan programs.

Discover USDA loan requests and matching outcomes on Lendersa


Highlands Lenders

  • American Federal Residential Mortgage
  • 407 W. Baker, Suite S, Baytown, TX, 77521
  • Lends in Texas
  • LET ONE OF OUR PROFESSIONAL MORTGAGE CONSULTANTS BUILD A MORTGAGE LOAN ESPECIALLY FOR YOU.

    NEW HOMES AND RESALE HOMES
    SECOND HOMES AND VACATION HOMES ETC..

    CALL OR COME BY OUR OFFICE FOR A FREE PRE -QUALIFICATION FOR A MORTGAGE LOAN BEFORE YOU SHOP FOR A NEW OR USED HOME. WE WILL FURNISH YOU WITH A PRE-APPROVAL LETTER AT NO CHARGE.

  • Sentinel Mortgage Corporation
  • 7232 Eastpoint Blvd, Baytown, TX, 77521
  • Lends in Texas
  • Sentinel Mortgage is a Texas company that prides itself on getting YOU the best deal. We also understand that clients and realtors expect clear communication and availability in order to navigate the ever-changing mortgage waters. So don't waste time with a Big Bank that will take 2 months to close you and charge you handsomely for the privilege

  • Shell FCU
  • 301 E 13th Street, Deer Park, TX, 77536
  • Lends in Texas
  • Shell FCU is a member owned and operated cooperative serving Harris County. We offer a wide range of services at no-cost or at lower costs than traditional financial institutions, including more favorable rates on dividends and loans.Anyone who lives, works, worships, attends school, or regularly conducts business.

  • Lubrizol Employees' Credit Union
  • 205 Center Street, Deer Park, TX, 77536
  • Lends in Texas
  • Lubrizol Employees' Credit Union is proud to be a member-owned, not-for-profit financial cooperative whose sole purpose is to serve its members. Our commitment to our members is consistent with our credit union principles of “Not for Profit, Not for Charity, But for Service” and our philosophy of “People Helping People

  • United Community Credit Union
  • 13700 E Sam Houston Parkway N, Houston, TX, 77044
  • Lends in Texas
  • United Community Credit Union has been open since 1950. The credit union has assets totaling $123.53 Million and provides banking services to more than 13, 000 members as of March 2022.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans

  • Guarantee Mortgage, LLC
  • 2770 North FM565 Road, Mont Belvieu, TX, 77523
  • Lends in Texas
  • Guarantee Mortgage is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.

  • CAPITAL HOME LENDING
  • 4532 Pasadena Blvd, Suite C, Pasadena, TX, 77503
  • Lends in Texas
  • Capital home lending are a full-service mortgage brokerage specializing in every area of residential home lending.Our mission is to enrich and empower people's lives through homeownership while providing them with the lowest interest rate and closing costs. and We pledge to deliver our clients and referral partners.

  • Community Resource Credit Union
  • 2900 Decker Dr, Baytown, TX, 77520
  • Lends in Texas
  • Community Resource Credit Originally formed by a group of Humble Oil Employees in 1935, CRCU is the oldest local financial institution in the Baytown, Crosby and Atascocita area. Presently, CRCU is open for membership to anyone who lives or works in Liberty, or Chambers County or within the Goose Creek.

  • Guarantee Loan Service
  • 1209 Main Street, Suite A, Pasadena, TX, 77506
  • Lends in Texas
  • At Guarantee Loan in Texas and our focus on the financial needs of our customers. Since our founding during the 1930s, we have helped people across the Lone Star State rebuild their credit through installment loans. Our motto is “we succeed when our customers succeed. With many locations across the state of Texas.