FHA VS Conventional loan programs in Lubbock, Lubbock County, Texas
In the year 2026, the Conventional loan limit in Lubbock, situated in the county of Lubbock, TX, is $726,200, whereas the FHA limit for a single-family house is $472,030.
With the Lendersa® Conventional loan calculator, you can assess today's best rates for Conventional, FHA, and USDA loans. This tool helps determine necessary income, credit, reserves, and documentation to qualify. By using our advanced mortgage calculator, you can compare Conforming Conventional loans with USDA, FHA, and VA options, guiding you to decide which program in TX is fitting for your financial needs.
2026 Loan Limits and Down Payment Requirements in Lubbock, County of Lubbock, 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 the zip codes: 79406
Options for Conventional and FHA Loans in Lubbock, TX
The aim of Lendersa® is to provide you with the most fitting Conventional, USDA, or FHA loan swiftly and effortlessly. You have three starting options to choose from, leading you to matching lenders and loan programs.
Texas Tech Credit Union is an innovative financial institution that is committed to our vision of "Meeting Needs and Creating Value" for our members and community. We provide financial services that benefit our members' lives and set ourselves apart by offering financially superior loans and deposit accounts.
WesTex Federal Credit Union has been open since 1946. The credit union has assets totaling $85.02 Million and provides banking services to more than 7, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member.
Lubbock National Bank is part of a local, family-owned banking legacy that has been serving the people of this area since 1892, when the first settlers began arriving in the South Plains and Texas Panhandle. We introduced ourselves to Lubbock just a few years after the city was incorporated.
We offer mortgages for new home purchases at competitive rates. Whether you need cash out or just want a better rate and term, Pixel is here to help with your refinance. Pixel Mortgage works great with real estate agents. Fast pre-qualification, great rates, helpful processing, and great communication are Pixel qualities.
Capital Mortgage Services A full service mortgage bank of Texas controls all elements of your mortgage transactionof Texas provides a mortgage company with over 30 years of experience in helping our customers. We understand that this isn’t just a loan to you, it’s your home. We take that responsibility very seriously
FirstBank & Trust is not your ordinary community bank! We are a growing, dynamic local bank that is strengthened by HTLF, a multi-billion-dollar financial services company that has been named a Forbes Best Bank. We offer our employees unlimited opportunities for career development.
We have been in continuous operation since June of 1993. We founded First Source Capital at a very difficult time for most commercial real estate owners and developers, following the real estate crash in 1986 - 87. FSCM's relationships with Investment Bankers provided a conduit for commercial real estate financing.
PrimeWest Mortgage, decision making is kept to a local level and mortgage professionals are unwaveringly committed to deeply understanding every intricacy of every customer’s home buying experience. Because when that happens, a mortgage provider, even one with the backing of a company with national outreach, doesn’t just feel like a partner
Peoples Bank exists to place the needs of our employees, customers, and shareholders at the center of everything we do. We focus attention on the needs of local families, businesses, towns, and farmers. We take local deposits and then make loans back into the neighborhoods where our depositors live and work.
