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

In 2026, the Conventional loan limit for Plano, within the county of Collin, TX, is $726,200. Meanwhile, the FHA loan limit for a single-family home is $531,300.

Utilize the Lendersa® Conventional loan calculator to assess and compare today's top rates for Conventional, FHA, and USDA loans. Determine the required income, credit score, reserves, and documentation needed to gain approval. Our detailed mortgage calculator allows you to evaluate Conforming Conventional loans alongside USDA, FHA, and VA loans side-by-side, aiding you in selecting the most appropriate program for your financial status in TX.

Explore loan offers from over 100 lenders

2026 Loan Limits and Down Payment Requirements 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%

This comparison table is relevant for the following zip codes: 75093, 75023, 75025, 75024, 75074, 75075, 75026, 75086

Choices for Conventional and FHA Loans in Plano, TX

Lendersa® aims to help you secure the best possible Conventional, USDA, or FHA loan quickly and efficiently. Begin by choosing one of three starting points, leading to matching lenders and lending options.

Results of Lendersa USDA loan request and matching


  • Colorado Short Term Funding
  • 2828 North Speer Blvd, Suite 210-5, Denver, CO, 80211
  • Colorado Short Term Funding (COST Fund) is a Colorado-based private capital, hard money lending, and private mortgage lender. We provide loans to private investors looking to aquire residential properties throughout the state of Colorado and the nation. You can be assured you will get the best service, funding, and information for your real estate.

  • Foothills Credit Union
  • 7990 W Alameda Ave, Lakewood, CO, 80226
  • Foothills Credit Union is your community Credit Union. We are a reliable, full service, member-owned cooperative currently serving over 9,000 members in both Jefferson and Larimer Counties. Foothills Credit Union started in 1946 as VAR 39 Credit Union serving a few different government employee groups.

  • Credit Union of Denver
  • 9305 W. Alameda Ave, Lakewood, CO, 80226
  • As a credit union, we are a not-for-profit, member-owned, financial cooperative. Being not-for-profit means our goal is to return as much as possible to our members in the form of better interest rates, lower fees, and innovative services. In addition, we have taken a minimal branch strategy, which keeps our costs down.

  • Colorado Mortgage Loan
  • 550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226
  • We are a direct lender, which means we can sell directly to the bigger banks or directly to Fannie Mae, Freddie Mac, and Ginnie Mae. This means that we can work without restrictions of other bank overlays creating fewer needed items and a smoother process. We do everything ‘in house’; processing, underwriting, and closing.

  • Land Above Ground Mortgage Inc
  • 7500 W Mississippi Ave, Unit B-122, Denver, CO, 80226
  • 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

  • Chariot Financial
  • 215 South Wadsworth Blvd, Suite 215, Lakewood, CO, 80226
  • Chariot Financial With over 16 years experience in the mortgage industry, we are committed to providing exceptional customer service, the very best pricing, and products available for our clients. Colorado owned and operated, we are here to assist with all your mortgage needs and also Zach P Smith is the founder of the Mortgage company

  • Unibell Financial Inc.
  • 550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226
  • Our mission is to guide you through the entire home loan process, so that you feel comfortable as you make choices about many options available for your home financing. Your home is one of the largest financial commitments that you will make during your lifetime. Unibell’s licensed mortgage brokers are highly experienced professionals

  • Labor Management Federal Credit Union
  • 8225 US Highway 60 W, Lewisport, KY, 42351
  • Labor Management FCU was chartered on December 18, 1974. The membership was chartered for Employees of Harvey Aluminum. Harvey Aluminum later became Martin Marietta, Commonwealth Aluminum & is known today as Aleris Aluminum. Today Aleris Aluminum employees 1000+ employs and is a global leader in the manufacture and sale of aluminum rolled products.

  • Gale Credit Union
  • 631 North Henderson Street, Galesburg, IL, 61401
  • Gale Credit Union was chartered in 1947 to serve employees of Gale Products, a division of OutBoard Marine Corporation. The credit union served only Gale (OMC) employees and employee families until 1983. In 1983, Gale Credit Union merged with the Knox County, City of Galesburg Credit Union,

  • Tompkins State Bank
  • 1380 N. Henderson St, Galesburg, IL, 61401
  • Tompkins State Bank is a community bank with offices in Avon IL, Abingdon IL, Knoxville IL, and Galesburg IL. Since 1884, TSB has been providing banking services and has continued to grow over the last 125 years. At Tompkins State Bank, we are your friends and neighbors. We are A Real Community Bank.

  • F&M Bank Illinois
  • 21 E. Main St, Galesburg, IL, 61401
  • The charter for The Farmers and Mechanics Bank was granted on March 31, 1869. Chauncey Colton founded F&M Bank, was its largest stockholder, and served as its first president. He and his associates chose a name that related directly to the real builders of the town, those hardworking farmers and the shoemakers

  • Midwest Community Credit Union
  • 1909 Old South Palmetto Street, Sioux City, IA, 51106
  • Midwest Community Credit Union is a financial institution that offers mobile banking, loans, gift, debit, and credit card services. Midwest Community Credit Union has been open since 1955. The credit union has assets totaling $42.5 Million and provides banking services to more than 3,000 members.