Explore the differences! FHA VS Conventional loan programs in Pharr, Hidalgo County, Texas

In 2025, Convetional loan limit in Pharr, county of Hidalgo, TX is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in TX is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Pharr, county of Hidalgo, TX

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

The comparison table applies to zip codes: 78577

Conventional and FHA loan options in Pharr, TX

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Endurance FCU
  • 703 S 9th Street, Duncan, OK, 73533
  • EFCU is a full-service financial institution offering its members the best in service and a full range of financial products. When you become a member of EFCU you actually become one of the owners. EFCU is governed by a volunteer board of directors. EFCU redistributes income to members through higher savings rates and lower loan rates.
  • First Bank & Trust Co.
  • 923 W. Main St, Duncan, OK, 73533
  • At First Bank & Trust Co., you will feel the difference in the way your financial needs are met, because we are more than just a bank –we’re your bank. Located in Southern Oklahoma, we are proud to be a part of both urban & rural communities. We understand the banking needs of small businesses, farmers & ranchers, as well as families & individuals.
  • Bank of Franklin Meadville
  • 9 Main Street East, Meadville, MS, 39653
  • Franklin County was named for philosopher and statesmen Benjamin Franklin and was one of the original counties of the state of Mississippi. In 1809, seven years prior to Mississippi’s admission into the Union as a state, the county was organized in the Mississippi Territory. A large part of the western portion of the county
  • LTV NOLA
  • 184 Remington Dr, Mandeville, LA, 70448
  • LTV Properties is a local Louisiana Equity Lender that specializes in hard money loans with no credit, income, or residency requirements. We offer fast closings and loan our own money. We have been doing business in the state of Louisiana for 11 years with over 120 years of personal, residential, and commercial lending experience.
  • Alpha Mortgage
  • 211 W Causeway Approach, Suite A, Mandeville, LA, 70448
  • Alpha Mortgage was formed in 1997 in Mandeville, Louisiana. It operates as a mortgage broker office and is licensed by the state of Louisiana. Experienced loan officers include Jimmy Briant and Neal Clark with forty-two years of experience. Several types of loans are offered, such as, conventional, FHA, VA, USDA, and reverse mortgages.
  • NLG Mortgage Services
  • 800 N. Causeway Blvd, Suite 2B, Mandeville, LA, 70448
  • 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.
  • Farmers Bank & Trust
  • 1129 E Main St, Magnolia, AR, 71753
  • Farmers Bank & Trust was chartered on September 26, 1906, and has been in operation since its inception. Farmers Bank is an independent community Bank and operates out of a one-Bank holding company, Magnolia Banking Corporation. The Bank operates a subsidiary called Magnolia Properties, Inc
  • Origin Bank
  • 1500 Sterlington Road, Monroe, LA, 71203
  • Origin Bank, formerly Community Trust Bank, is a Louisiana-chartered bank serving Louisiana, Texas and Mississippi. For over 100 years, we have provided a wide range of traditional banking services and are combining our industry expertise with modern applications to make banking easy both online and offline.
  • Liberty National Bank
  • 629 Southwest C Ave, Lawton, OK, 73501
  • Liberty National Bank is a real bank for real people; a bank you can trust in and grow with. We believe in hard work, can-do attitudes, and helping people get ahead. Above all, we’re committed to providing our customers with personalized banking relationships based on their individual needs and financial goals.
  • Artesia Credit Union
  • 210 North Fifth Street, Artesia, NM, 88210
  • Artesia Credit Union is a member-owned, cooperative, non profit financial services institution founded and operated to encourage thrift among its members, create a source of credit at a fair and reasonable rate of interest, and provide an opportunity for its members to improve their economic condition in a friendly manner.
  • First American Bank
  • 303 W Main St, Artesia, NM, 88210
  • First American Bank serves New Mexico with sixteen full service locations in fourteen communities and mortgage offices in Ruidoso, NM, and Rio Rico, AZ. Over the past century, First American Bank has remained true to its mission by providing a full spectrum of financial services; building lasting customer relationships
  • The City National Bank and Trust Company of Lawton, Oklahoma
  • 500 SW D Ave, Lawton, OK, 73502
  • Since 1901, we have dedicated ourselves to providing solid, stable, & modern banking services to our customers. Originated in Lawton, Oklahoma, City National Bank & Trust has more than 40 + branches that span across Oklahoma and into southern Kansas. We pride ourselves on our commitment to our local communities and our unmatched customer service.