Explore the differences! FHA VS Conventional loan programs in Odessa, Ector County, Texas

In 2026, 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

2026 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


  • The Bank of Versailles
  • 113 East Newton Street, Versailles, MO, 65084
  • Serving the Generations Since 1882. That’s not just a tagline, at The Bank of Versailles that’s our way of doing business. Our goal is to provide you with personal service from your first savings account, to buying a home, & through your IRA distributions.

    Since opening our doors November 22, 1882, we have been locally-owned & locally-operated

  • Foothills Bank
  • 11689 S. Foothills Blvd, Yuma, AZ, 85367
  • Foothills Bank is based on the same sense of community, friendly and down-to-earth attitude that makes this part of America special We're proud to have fifteen locations: two in Yuma, two in Prescott, two in Kingman, two in Lake Havasu, and one in Casa Grande, Prescott Valley, Tucson, Flagstaff, Bullhead City, Cottonwood, and Phoenix.

  • Infuze Credit Union
  • 5000 Illinois Ave, Bldg 494, Fort Leonard Wood, MO, 65473
  • Founded in 1954, Infuze Credit Union takes extraordinary pride in our long tradition of serving the financial needs of our members, both military, and civilians. The credit union has grown from providing financial resources to those serving at Fort Leonard Wood, MO, to serving more than 27, 000 members throughout the United States.

  • Horizon Bank Nebraska
  • 10841 North 142nd, Waverly, NE, 68462
  • Horizon Bank has been serving the financial needs of customers for over 100 years! Since the1990's, Horizon Bank has also been actively involved in the development of affordable housing. Working with developers and syndicators in the Midwest, Horizon Bank has experience in over 380 developments.

  • The Right Choice Mortgage, LLC.
  • 14444 University Ave, Hammond, LA, 70401
  • AT Right Choice Mortgage distinguishes itself from the competition with unmatched customer service. Our friendly staff has over 30 years combined experience in the mortgage industry and we strive to make you a client for life. We want to be your Right Choice each and every time. We will go above and beyond for you

  • HomeKey Mortgage, LLC
  • 112 W Morris Avenue, Hammond, LA, 70403
  • At HomeKey Mortgage, LLC. We are a full-service mortgage company, conveniently located in Hammond & Denham Springs, with mobile services available throughout the state of Louisiana. We specialize in conventional loans, USDA loans, FHA loans, VA loans & Reverse Loans. Whether you are buying a home or refinancing in any of these zip codes: 70403,

  • Farmers State Bank
  • 124 E. 3rd St, Cameron, MO, 64429
  • FSB has strived since its founding in 1887 to be a “Pillar in Community Banking.” Thus, our strategy is to provide a community banking culture that offers individualized customer service. We are locally owned and operated and committed to serving all your financial needs through a convenient approach that combines direct access to decision makers

  • Pinnacle Bank – Wyoming
  • 2000 Main Street, Torrington, WY, 82240
  • Pinnacle Bank is a Dinsdale family-owned banking organization that began in 1938. Our Wyoming roots stretch way back to the early 1900s with banks throughout agricultural communities in the state. In 1972, we joined Pinnacle Bancorp. Now we serve families and businesses from the hot springs of Thermopolis to the edge of the Black Hills in Newcastle

  • SOUTHERN MORTGAGE LENDING, INC.,
  • 6652 West Park Ave., Houma, LA, 70364
  • Our 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.

  • BankPlus
  • 6410 Watkins Drive, Jackson, MS, 39213
  • BankPlus is one of the Southeast’s premier regional banks serving consumers & businesses with the latest technology through a full suite of financial services, including retail banking, commercial banking, mortgage lending & wealth management. With more than $4.5 billion in total assets, BankPlus operates 79 financial centers throughout MS, AL, LA.