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

In 2025, Convetional loan limit in Katy, county of Harris, TX is $726,200 while FHA limit is $472,030 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 Katy, county of Harris, TX

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

The comparison table applies to zip codes: 77493, 77494, 77491

Conventional and FHA loan options in Katy, 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


  • Alabama Premier Mortgage
  • 1900 Indian Lake Dr, Birmingham, AL, 35244
  • Weather its a first home or a dream home, let me help you through the process of making it YOUR home. Stewart Holt's goal is to work with you to find the best financing fit possible to get you into your new home, no matter how complex. With 19 years in mortgage finance, I've made it my specialty to work with difficult
  • Mortgage Linc LLC
  • 2131 Data Office Drive, Suite 250, Birmingham, AL, 35244
  • Mortgage Linc LLC founder of the Mike Giles from Birmigham, Alabama is Alabama's number one Reverse Mortgage Specialist. Mike will guide you step by step to help you fully understand the Reverse Mortgage process. Mike Giles has years of experience and has helped hundreds of people, like you, get control of thier financial future.
  • Nu Source Lending Mortgage Corporation
  • 2080 Valleydale Rd, Suite 12, Birmingham, AL, 35244
  • Nu Source Lending has been in business since 2007. We take pride in providing consumers with options. Every consumer situation is different; at Nu Source we make sure those differences equal opportunity and success. Our staff is dedicated to getting the consumer on the right path
  • AlaTrust Credit Union
  • 1810 Merchants Drive, Birmingham, AL, 35244
  • AlaTrust Credit Union began helping educators & their families with their financial needs in 1935. What began as Birmingham Credit Union in 1935 to serve the employees of the Birmingham Board of Education, later changed to First Educators Credit Union in 1994 to represent its service to educators & their families throughout the state of Alabama.
  • Avadian Credit Union
  • 1 Riverchase Pkwy S, Birmingham, AL, 35244
  • "Avadian is the only financial service provider that will go out of its way every day to value you as a person, to make you feel delight and to improve your life. To fulfill our mission statement, we strive to: Create unique experiences for our members by providing a family atmosphere, caring staff, affordable prices and innovative"
  • CLASSIC HOME MORTGAGE, INC.
  • 1904 Indian Lake Drive, Birmingham, AL, 35244
  • Classic Home Mortgage was established in 2009. The owners had a vision of simplifying the mortgage process and putting the customers first. Erin Tatum, now sole owner) had worked at several other mortgage companies and saw the flaws in their systems and saw the lack of communication and service to the customers.
  • Mortgage Funding, LLC
  • 2171 Clearbrook Rd, Birmingham, AL, 35226
  • At NMI Mortgage Funding, LLC, 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" and 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.
  • Patriots Bank
  • 131 East 4th Ave., Garnett, KS, 66032
  • Patriots Bank is owned and operated by the Cooper family. Our charter has over 120 years of tradition in community banking. As a local community bank, Patriots Bank is a proud part of the communities we serve. Here are some of the benefits of being part of a community bank and why Patriots Bank is the right choice for you
  • Sixth Avenue Baptist Federal Credit Union
  • 1101 Martin Luther King Jr Drive, SW, Birmingham, AL, 35211
  • Sixth Avenue Baptist FCU is an independent financial cooperative owned by its members. Sixth Avenue Baptist FCU was chartered in 1963 to help meet the financial needs of the members of Sixth Avenue Baptist Church and their immediate family members. Our main objective is serving our member-owners.
  • ECO Credit Union
  • 105 Frankfurt Cir, Birmingham, AL, 35211
  • eCO Credit Union is a not-for-profit financial co-operative. From checking to loans & everything in between, we exist to meet the needs of our members with free & low-cost products & services.We also work hard to prioritize financial literacy in our communities. With 6 branches around the Birmingham area,eCO Credit Union is here to meet your needs.
  • Dillon Credit Union
  • 2704 N Lorraine Street, Hutchinson, KS, 67502
  • The Dillon Employees Credit Union was founded in 1958 to provide financial services specifically for the employees of the Dillon Companies.The credit union offices were located at the Dillon's Main Office & Warehouse at 2700 East Fourth Street, Hutchinson, KS. In 2009, we expanded our field of membership to the public to better serve the community.
  • Heartland Credit Union
  • 900 E 23rd Ave, Hutchinson, KS, 67502
  • Heartland Credit Union was formed April 1, 1948. The Credit Union started life with 14 members and $315.00 in assets. The original place of business was in the home of Clyde and Lela Burk at 528 E. Sherman in Hutchinson. We've grown to many branches throughout Central Kansas, a far cry from our original home in a residence on E. Sherman Avenue.