FHA VS Conventional loan programs in 2026 for Luling, Caldwell County, Texas

In 2026, the conventional loan limit in Luling, within Caldwell county, TX, is $726,200, whereas the FHA limit for a single-family home stands at $571,550.

With the Lendersa® Conventional loan calculator, compare today's leading rates across Conventional, FHA, and USDA loans. Identify the income, credit, reserves, and documents necessary for qualification. The advanced tool allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in choosing the optimal program in TX based on your financial goals.

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2026 Loan Limits and Down Payment Requirements in Luling, Caldwell, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $386,400 0%
FHA $571,550 3.5%

This comparison applies to the zip codes: 78648

Available Conventional and FHA Loan Options in Luling, TX

Lendersa®'s goal is to quickly and easily get you the best possible Conventional, USDA, or FHA loan. Choose one of three starting points that connect you with matching lenders and loan programs.

Results for Lendersa USDA loan request matches


  • Resource One Credit Union
  • PO Box 660077, Dallas, TX, 75266
  • Since 1936, Resource One has been delighting members with over 60, 000 members worldwide today.

    Resource One was originally chartered on July 15, 1936, under the name of Sears Dallas Employees Federal Credit Union. Our mission was to fulfill the financial needs of the employees of the Catalog Order Plant of Sears, Roebuck,

  • AKIN MORTGAGE, LLC
  • PO Box 601356, Dallas, TX, 75360
  • Stephan has worked in the real estate industry for 30 years.First as a Realtor, then as a home builder & for the past 20 years as a mortgage banker.Prior to becoming a mortgage banker, he was the vice president of marketing & architecture for one of the nations top 10 home builders during which time he won national awards for his marketing efforts.

  • Family 1st of Texas Federal Credit Union
  • 3501 Western Center Boulevard, Fort Worth, TX, 76137
  • Family 1st of Texas Federal Credit Union was chartered in 1935 by the United States Post Office employees of the Railroad Postal Division, by coming together to pool their resources and provide low-cost loans to serve one another. Over the years, our role in the community has greatly expanded.

  • Horizon Lending Services
  • 11411 Cedar Glen, Flint, TX, 75762
  • Horizon Lending Services LLC specialize in Texas and California VA home loans and Reverse Mortgages. We take pride in being recognized as a premier mortgage broker offering a wide array of products. We want you to turn the home of your dreams in the reality. Horizon Lending wants to give you the best options so you can make the right decision

  • NexBank, SSB
  • 2515 Mckinney Ave, Suite 1100, Dallas, TX, 75201
  • NexBank Capital, Inc. is a financial services company that serves its clients through three core businesses: Institutional Banking, Commercial Banking, and Mortgage Banking. NexBank provides customized financial and banking services primarily to institutional clients, financial institutions, and corporations nationwide.

  • Comerica Bank
  • 1717 Main Street, Dallas, TX, 75201
  • Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, strategically aligned by the Business Bank, the Retail Bank, and Wealth Management. The Business Bank provides companies of all sizes with an array of credit and non-credit financial products and services

  • Revere Capital
  • 2301 Cedar Springs Road, Suite 200, Dallas, TX, 75201
  • Revere Capital brings institutional execution to the middle market real estate space. The principals have over $3 billion of real estate transaction experience across private equity, real estate investment banking & workouts. This experience, coupled with discretionary balance sheet capital, allows us to lend on and acquire completed transactions.

  • GenWealth Capital Commercial
  • 325 North St. Paul Street, Suite 3100, Dallas, TX, 75201
  • At GenWealth Capital Commercial, we believe that building strong client relationships is incredibly important. We do this by educating our Clients during the review process and providing information on real estate trends and topics. Education and transparency are keys to making real estate funding an efficient process.

  • AsertaLoans Inc
  • 1919 McKinney Avenue, Suite 100, Dallas, TX, 75201
  • AsertaLoans is a mortgage brokerage company, founded to make the homebuying process easier for homeowners with super low rates. With AsertaLoans, you fill out just one application with one Mortgage Loan Officer, then we check with several wholesale lenders to bring you the lowest rate. This means lower monthly payments for homeowners.

  • Waterloo Mortgage LLC
  • 1601 Elm Street, Floor 33, Dallas, TX, 75201
  • Waterloo Mortgage Everyday all across the great State of Texas we are working to help families realize the American dream. We provide specialized home-buying and refinancing services, and our approach is focused on addressing their needs and financial situations throughout the entire real estate financing process.

  • Irving City Employees Federal Credit Union
  • 1408 W Pioneer Drive, Irving, TX, 75061
  • Irving City Employees Federal Credit Union (ICEFCU) is a member-owned and controlled financial cooperative that is dedicated to providing the best possible financial services to meet our member’s needs. Our goal is to always provide these services in an efficient and friendly manner.