In 2026, the Conventional loan limit for Houston in Harris county, TX, is $726,200, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Determine the required income, credit score, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you decide which program in TX is the most suitable for your financial situation.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
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Lendersa® aims to provide you with the best Conventional, USDA, or FHA loans swiftly and without inconvenience. Choose one of three paths that lead to matching lenders and loan programs.
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