FHA VS Conventional loan programs in Odessa, Ector County, Texas

In 2025, the Conventional loan limit in Odessa, within the county of Ector, TX, is $726,200. The FHA limit for a single-family home is $472,030.

Utilize Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documents needed for qualification. With our mortgage calculator, evaluate side-by-side options for Conforming Conventional, USDA, FHA, and VA loans, aiding in your decision for the best program in TX to suit your financial needs.

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Odessa, Ector, TX

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

This table applies to zip codes: 79761, 79762, 79763, 79765, 79768, 79769

Exploring Conventional and FHA Loan Options in Odessa, TX

Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Choose one of three starting points that lead to matching lenders and loan programs tailored to your needs.

Results from Lendersa USDA loan requests


  • Bank of Washington
  • PO Box 377, Washington, MO, 63090
  • The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.
  • Franklin Mortgage Company, L.L.C.
  • 1381 High Street, Suite 107, Washington, MO, 63090
  • Franklin Mortgage Company proudly serves Franklin and St. Charles counties, working to provide home loans with competitive interest rates and low closing costs. Our experienced mortgage professionals are committed to top-notch customer service that is honest and fair. We’re proud to serve repeat customers throughout the years.
  • Surety First Mortgage
  • 1347 West 310 North, Midway, UT, 84049
  • The Surety First Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Utah, Idaho and Colorado. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.
  • Creekside Mortgage
  • 1982 West Pleasant Grove Blvd, Suite K, Pleasant Grove, UT, 84062
  • Creekside Mortgage mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Northeast Missouri State Bank
  • 600 South Baltimore, Kirksville, MO, 63501
  • The Northeast Missouri State Bank was originally chartered as Schuyler County State Bank in 1933. The name was changed to Northeast Missouri State Bank in 1988, to better reflect our area of customer service, and the main bank moved to Kirksville, MO. In 2004, the bank expanded by purchasing the LaPlata State Bank.
  • UrbanPointe Lending
  • 9480 South Eastern Avenue, Suite 274, Las Vegas, NV, 89123
  • At UrbanPointe Lending we pride ourselves in finding you the "best fit mortgage"​ for all of our clients. We realize and know not everyone has the same mortgage needs and situation. We take the time to provide options to our clients so they can select the best mortgage for their personal leads.
  • 5th Bridge Funding LLC
  • 8840 S Maryland Pkwy, Suite 110b, Las Vegas, NV, 89123
  • "5th Bridge Funding, LLC was founded by Mr. Stephen Sinko based in Las Vegas, Nevada. Stephen has over 23 years of combined professional experience in marketing & sales, specializing in the Financial Industry, Title, Escrow, Real Estate, Traditional Lending and Private/Hard Money."
  • Rehab Lend LLC. DBA REHABLEND
  • 1810 E Sahara Ave #200, Las Vegas, NV, 89104
  • REHABLEND by Alpha Funding Corp. (www.afunding.com) was established in 2016 to provide a simple and effective platform for real estate investors and brokers who need to acquire or refinance non-owner-occupied residential and multifamily properties. We focus on value-add fix and flip transactions, mid-renovations, and long-term financing. We do no
  • Silver State School Credit Union
  • 2256 S Nellis Blvd, Las Vegas, NV, 89104
  • Silver State Schools Credit Union, founded in 1951, is a premier financial cooperative owned and operated by its members. With locations throughout the Las Vegas valley, we continue to provide a quality banking alternative for people like you, your fellow employees and families. Silver State Schools Credit Union strives to be the market leader .
  • Alpha Funding
  • 1810 E Sahara Ave, Suite 200, Las Vegas, NV, 89104
  • We are able to make exceptions when the big picture makes sense to us. Our primary focus is the strength of the collateral, the ability to debt service, and the borrower’s ability to repay the loan. We are able to get past issues other hard money lenders lenders can’t. We are problem solvers with reasonable solutions for unbankable loans.