FHA VS Conventional loan in Livingston, Polk County, Texas

In the year 2025, the conventional loan cap in Livingston, within the county of Polk, TX, is set at $726,200. Concurrently, the FHA limit for a single-family home reaches $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans. This tool helps you assess the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, Conforming Conventional, USDA, FHA, and VA loans are displayed side by side, facilitating an informed decision regarding the most suitable program in TX for your financial circumstances.

Explore loan offers from a variety of 100 lenders

Loan limits and down payment requirements for 2025 in Livingston, Polk County, TX

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

This comparative table is applicable to zip codes: 77351, 77399

Diverse options for Conventional and FHA loans in Livingston, TX

The mission of Lendersa® is to secure the best available Conventional, USDA, or FHA loan for you swiftly and smoothly, without any hassle. Choose from three starting points for matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Hiott Financial Corporation
  • 12 Rouse Road, Sumiton, AL, 35148
  • "Hiott Financial Corporation was incorporated in 2003. We are dedicated to building relationships with our clients in a dynamic lending environment. ​ HFC offers many mortgage products to meet the needs of our clients including USDA, FHA, Conventional, and VA. We enjoy alot of tradition and beauty here in the State of Alabama."
  • Wichita Federal Credit Union
  • 9835 E 21st Street N, Wichita, KS, 67206
  • WFCU is a not-for-profit financial cooperative, which means that all of our members are also owners. Our members-first philosophy has served us well over the years. Wichita Municipal Federal Credit Union (WMFCU) was chartered in May 1940 to serve the municipal employees of the City of Wichita.
  • Home Bank and Trust Company
  • 1409 N Greenwich, Wichita, KS, 67206
  • Home Bank and Trust Co is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • JR Mortgage Group Inc
  • 12007 East 13th Street North, Wichita, KS, 67206
  • JR Mortgage Group Inc are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Phoenix Mortgage Group, Inc
  • 240 N Rock Rd, Suite 280, Wichita, KS, 67206
  • We are a wholesale residential mortgage lender who strives to do our best for all borrowers and applicants. In our best, we place ourselves in the applicant's shoes knowing their situation, and with our knowledge in the industry, help them make the best informed decision for the specific type of mortgage loan that will be most suitable for them.
  • The Bank of Milan
  • 2011 East Van Hook Street, Milan, TN, 38358
  • The Bank Of Milan is a branch office of The Bank Of Milan. They provide the following services: Full Service Office Location and are located at 2011 East Van Hook Street in Milan Tennessee. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
  • Certainty Home Loans LLC
  • 1354 E. JOHN SIMS PARKWAY, Niceville, FL, 32578
  • Certainty Home Loans has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology and Our core belief is that our Certainty family is our #1 asset. We never want to lose sight of the importance of our team members or of our values: integrity, quality.
  • Meritrust Credit Union
  • 151 N Main Street, Wichita, KS, 67202
  • It's not just a job. It's a family work environment putting you first. Team Meritrust is making our world a better place for our members and communities, one exceptional service experience at a time. With a mission of improving the lives of members and the communities we serve.
  • Southwest National Bank
  • 400 E Douglas Ave, Wichita, KS, 67202
  • Southwest National Bank’s original bank charter was granted to L. S. Naftzger on March 15, 1915 to do business as Southwest State Bank. After eight years of operation, Southwest State Bank received authority to expand its operation as a national bank and remains today as one of only three banks in Wichita to survive the Great Depression of 1929.
  • Elite Mortgage Partners
  • 2367 Lakeside Dr, Birmingham, AL, 35244
  • Elite Mortgage Partners is here to provide you with an industry leading mortgage experience while offering the comfort of doing business with a local, Alabama based, company. With 36 years of experience in the mortgage industry, Callie Hill and Nina Noble know what it takes to make sure your loan is done fast, easy and right.