FHA VS Conventional loan programs in Lacy-Lakeview, McLennan County, Texas

In 2026, the Conventional loan limit for Lacy-Lakeview, in McLennan county, TX, stands at $726,200. The FHA limit for a single-family home is $472,030.

The Lendersa® Conventional loan calculator allows you to compare the best rates today across Conventional, FHA, and USDA loans. You can determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you choose which program is best suited for your financial requirements in TX.

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2026 Loan Limits and Downpayment Requirements in Lacy-Lakeview, McLennan, TX

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

This table is applicable to these zip codes: 76705

Exploring Conventional and FHA Loan Options in Lacy-Lakeview, TX

The aim of Lendersa® is to quickly connect you with the best possible Conventional, USDA, or FHA loan without any hassle. Select one of three starting points, resulting in matching lenders and programs suited to you.

Investigate USDA loan requests and outcomes with Lendersa


  • 1ST ALLIANCE MORTGAGE, LLC
  • 750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
  • At 1st Alliance Mortgage we have the expertise and experience to get you the right mortgage, and to handle your transaction professionally. With our experience, and our rates and programs, you are sure to get the mortgage that is right for you. Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage.

  • Stonebriar Mortgage Corporation
  • 6510 Abrams Road, Suite 360, Dallas, TX, 75231
  • At Stonebriar Mortgage. Based in Dallas, TX, we serve customers in and around the Dallas metropolitan region. Our team has assisted clients throughout the state of Texas including San Antonio, Houston, Austin, Highland Park, Prosper, Frisco, Plano, McKinney, Canyon Lake, Seguin, TX, and the surrounding areas.

  • CAPFI LENDING LLC
  • 3019 Palominos Pass, Leander, TX, 78641
  • Capfi Lending, LLC collects personal information (“Information”) from you through e-mail, forms, and other methods located on our website. This Information is collected only if you choose to submit it, and in submitting it you agree to have the Information handled in accord with this policy.

  • Las Colinas Federal Credit Union
  • 555 Cimarron Trail, Irving, TX, 75063
  • The Credit Union was chartered in 1955 by a group of Zale employees and family members. The new credit union was known as Zale Employees Federal Credit Union (ZEFCU).

    During the ’80s, several smaller credit unions merged with ZEFCU (Optical FCU, Sherwin Williams FCU, Golden Acres FCU, Joske’s Employee’s FCU, and Mary Kay Cosmetics FCU)."

  • KBHS Home Loans LLC
  • 8650 Freeport Parkway South, Suite 250, Irving, TX, 75063
  • KBHS offers competitive rates and exceptional service on Conventional, Government (FHA, VA & USDA) and Jumbo Fixed & Adjustable Rate Mortgages with a variety of terms designed to meet the diverse needs of new construction homebuyers. Bond loans and other mortgage products suited for homebuyers are also availab

  • Mr. Cooper
  • 4000 Horizon Way, Irving, TX, 75063
  • We are Mr. Cooper, the nation’s largest non-bank mortgage servicer and a leading mortgage lender. And we’re here to keep the dream of homeownership alive. Our HQ is located in Dallas, TX, with major outposts in Irvine, CA; Chandler, AZ; Longview, TX; Highlands Ranch, CO; and Chennai, India. We have a total of ninety offices all over the USA

  • Mark Monreal & Associates
  • 13001 Debarr Drive, Austin, TX, 78729
  • Mark Monreal & Associates we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.

  • Larry The Lender
  • 13420 Lyndhurst St, Apt 301, Austin, TX, 78729
  • Larry Feingersh is a native Houstonian. One of Larry’s first jobs in the 70’s was working for the City of Bellaire picking up garbage. Larry has bought, sold, and managed residential real-estate properties since 1985. In 1995-96 Larry bought and flipped over 30 houses. Besides having built and managed his own commercial buildings since 1992.

  • AAXY Mortgage
  • 13284 Pond Springs Rd, Suite 405, Austin, TX, 78729
  • AAXY LLC has 2 dba’s as AAXY Mortgage and Austin First Mortgage. It is a Texas licensed mortgage company whose mainly business is lending residential mortgage loans. It has a wide range of residential loan products including conventional loans, FHA, VA USDA and some NON-QM loan products.

  • Stallion Funding, LLC
  • 10119 Lake Creek Pkwy Suite 202, Austin, TX, 78729
  • Stallion Funding is a private real estate finance company that specializes in providing real estate loans from $100,000 to $5 million.

    Our capital is secured from the Stallion Texas Real Estate Fund, as well as a network of private lenders, enabling us to make quick decisions to fund real estate projects. The Stallion team understands real estat

  • Commercial Mortgage Broker
  • Dallas, Texas, Dallas, TX, 75238
  • At Commercial Mortgage Broker, led by John Stewart, we specialize in connecting businesses with the perfect financing solutions to drive growth and success. With a commitment to personalized service, we tailor our offerings to meet your unique needs. Trust us to unlock opportunities and navigate the complex landscape of commercial lending, ensuring

  • NuWave Lending LLC
  • 8828 Fenchurch Road, Dallas, TX, 75238
  • Nuwave lending provides financing for homes. We offer loan programs for conventional, FHA, VA, Jumbo, Self-Employed Borrowers, Bank Statement Loans, and Investment Property loans and also NuWave is dedicated to providing a fast, transparent digital mortgage experience backed by superior customer support.