FHA VS Conventional loan programs in 2026 for La-Porte, Harris County, Texas

In 2026, the conventional loan limit in La-Porte, which is in Harris county, TX, is $647,200. For a single-family home, the FHA limit is set at $420,680.

Utilize the Lendersa® Conventional loan calculator to compare today's leading rates among Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, guiding you in selecting the most suitable program for your financial scenario in TX.

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Loan Limits and Down Payment Requirements for 2026 in La-Porte, Harris, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table pertains to the following zip codes: 77571

Access Conventional and FHA Loan Options in La-Porte, TX

The aim of Lendersa® is to secure you the most fitting Conventional, USDA, or FHA loan efficiently and without hassle. Opt for one of three pathways to connect with suitable lenders and loan programs.

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La-Porte Lenders

  • 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

  • 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.

  • 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.

  • Lamar Lending
  • 2515 B NASA PKWY, Suite 200, Seabrook, TX, 77586
  • Lends in Texas
  • Local Mortgage Broker for commercial and residential lending. We have the lowest rates at the lowest cost in the industry! We serve our community in a way big banks only dream of for refinance & purchases. Conv, FHA, VA, USDA, Down Payment Assistance. Superior to the big banks in customer service, loan services and more.

  • My Mortgage Ace
  • 1322 Space Park Drive, Suite C105-B, Houston, TX, 77058
  • Lends in Texas
  • We are a small team of mortgage professionals, dedicated to finding our clients the best fitting mortgage options available in the market. We are experts in the specialty mortgage space and strive to do the research and find the best financing available for your specific scenario.

  • Southern Coast Mortgage LLC
  • 1918 Port Royal Drive, Houston, TX, 77058
  • Lends in Texas
  • Our mission here at Southern Coast Mortgage, LLC, is to serve our customers with Honesty, Integrity and Competence while helping them to secure mortgage financing to purchase or refinance their home. We provide the lowest interest rates and closing costs possible. We have over 45 years of home lending experience.

  • Legend Home Lending
  • 17047 El Camino Real, Suite 150, Houston, TX, 77058
  • Lends in Texas
  • Legend Lending is able to leverage the company’s volume of business throughout its various channels to secure competitive pricing and vendor relationships ensuring a better value and higher quality experience for our clients and We offer fast, reliable home financing solutions for most types of residential real estate.

  • 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.

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    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.