FHA VS Conventional loan programs in 2025 for Plano, Collin County, Texas

In 2025, Convetional loan limit in Plano, county of Collin, TX is $726,200 while FHA limit is $531,300 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 Plano, county of Collin, TX

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $360,600 0%
FHA $531,300 3.5%

The comparison table applies to zip codes: 75093, 75023, 75025, 75024, 75074, 75075, 75026, 75086

Conventional and FHA loan options in Plano, 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


  • Montgomery Mortgage Texas
  • 11230 FM 830 Rd, Willis, TX, 77318
  • Established in 1998, Montgomery Mortgage is a Texas-based mortgage company located in Willis, TX, just north of Houston, Conroe and The Woodlands. Our goal is to simply offer the very best terms accompanied by extraordinary customer service. We maintain an A+ exemplary rating with the Better Business Bureau
  • City Star Lending
  • 15905 Fontaine Ave, Austin, TX, 78734
  • Our mortgage experts treat you with the respect due a valued customer and give you the personal attention you deserve. We know you're making a commitment in buying a new home, refinancing, or tapping into your equity. So we make the following commitment to you: we can help you qualify, apply and be approved for the ideal mortgage for you.
  • Legend Lending
  • 106 Kollmeyer Circle, Austin, TX, 78734
  • The Legend Lending team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • Key Home Mortgage, LLC
  • 15303 South Flamingo Drive, Lakeway, TX, 78734
  • We are a full-service mortgage company based in Lakeway, TX. We specialize in VA Loans, FHA Loans, First Time Buyers in Lakeway. We also serve the Colorado & Florida. Whether you are buying a home or refinancing in the zip code 78734, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
  • Shelly Roark
  • 814 West North Loop, Unit B, Austin, TX, 78756
  • Shelly values each client and prides herself in finding the right loan fit for each by using her expertise in FHA, VA, Conventional, Rural Housing/USDA, Texas Vet, Jumbo, and many other special mortgages. She practices her personal mantra, “If there’s a will, there’s a way,” and she will find it!
  • A Plus Federal Credit Union
  • 6420 E US 290 SVRD, Austin, TX, 78723
  • At A+FCU, we don’t have customers, we have members. That means we’re all in this together, and when one member does well, we all share the benefits. Our purpose is to educate each and every member and give them the right guidance for their unique financial situation. By giving our members the knowledge, resources,
  • HMG Finance, Inc.
  • 2021 Guadalupe Street, Suite 260, Austin, TX, 78705
  • At The Hudson Mortgage Group, we have one goal - to deliver an exceptional lending experience for every customer. We've created a lending process that's fast, friendly and simple to understand. By doing so, we ensure customer clarity, control and confidence every step of the way. We make finance friendly. Let us show you how.
  • The Brenham National Bank
  • 2211 S Day St, Brenham, TX, 77833
  • Brenham National Bank began its existence in 1933 as Farmers National Bank at the corner of Main and S. Baylor streets. In 1949 the bank moved across the square into the building which housed the Day Cotton Company and the Double Dip Ice Cream Co. That location was renovated and expanded many times to meet the growing needs of the bank. In 1975,
  • Vista Lending
  • 1211 Baylor St, Austin, TX, 78703
  • At Vista Lending we take great care in providing you with financing solutions that fit your current needs and long-term goals. No two home owners are alike and we strive to educate you through financing options while providing a concierge level of service. You can expect that level of service to carry on after your closing.
  • Texas Mortgage Source LLC
  • 1300 West Lynn St, Suite 214, Austin, TX, 78703
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Westate Mortgage & Realty LLC
  • 1404 Olympus Drive, Austin, TX, 78733
  • At Westate Mortgage & Realty, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Wang Mortgage LLC
  • 2009 Vervain Court, Austin, TX, 78733
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.