Explore the differences! FHA VS Conventional loan programs in Shallowater, Lubbock County, Texas

In 2025, the conventional loan limit in Shallowater, Lubbock County, TX, is $726,200, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to examine current best rates among Conventional, FHA, and USDA loans. Determine income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows for side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding your decision for the optimal program in TX.

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2025 Loan Limits and Down Payment Requirements in Shallowater, Lubbock, 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: 79363

Available Options for Conventional and FHA Loans in Shallowater, TX

The aim of Lendersa® is to deliver the best possible Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of three initial pathways to connect with matching lenders and their loan programs.

Lendersa's results for USDA loan request matching


  • Abundance 99, Inc.
  • 105 Serra Way, Suite 448, Milpitas, CA, 95035
  • Formed in 2009, we at Abundance are passionate about finding the best financing solutions for our clients’ needs and overall strategy. We are experienced in a wide range of loan options, including home purchase & re-fi, rental properties, short-term bridge loans, fix & flips, constructions, multi-family, and commercial.
  • Indigo Realty Corporation
  • 1551 McCarthy Blvd, Suite 203, Milpitas, CA, 95035
  • We specialize in providing all kind of commercial loans to owners, investors & developers in need of funding outside the scope of traditional banks and lenders. While traditional lenders could take months to close, we can complete the process in days. We provides commercial financing solutions with an outstanding history of service and dedication.
  • Result Financial Corp
  • 1551 McCarthy Blvd, Suite 211, Milpitas, CA, 95035
  • "Result Financial Corp, dba California Deed of Trust Investment, we have been in real estate and mortgage business for more than 15 years in San Francisco Bay Area. We provide unique buy & sell strategy for our clients. Real Estate & mortgage business around bay area about 15 years.
  • Esposo Properties and Financial Services
  • 500 East Calaveras Boulevard, Suite 210, Milpitas, CA, 95035
  • Esposo Properties is a small boutique real estate company. We specialize in small to mid-size investment properties, other than your typical residential sale/listing. We take pride in giving personalized, top of the line service to our clients and investors we will help you sell your home.
  • InterFirst Lending Corporation
  • 1525 McCarthy Boulevard, Suite 1140, Milpitas, CA, 95035
  • InterFirst Lending is a next-generation mortgage company that originates residential mortgage loans at a low cost with extremely competitive mortgage rates. We provide the consumer with one of the best mortgage rates in the industry along with transparent, intuitive and efficient online loan process.
  • LoanPros Inc
  • 1355 Jacklin Road, Milpitas, CA, 95035
  • LoanPros, opened in 1992 with Diana Skokan and myself. Diana retired in 2000. The business has been operated by Tina Broyles. We have built a 90% referral base over the years. The resourceful and skilled team at Loan Pros Inc is eager to help you reach your dreams. If you need an experienced Milpitas, CA Mortgage team focused on precision
  • Verso Real Estate Services Inc
  • 545 Los Coches Street, Suite 108, Milpitas, CA, 95035
  • I am dedicated to providing excellent customer service. My philosophy is simple: clients come first. I pledge to be in constant communication with my clients, keeping them fully informed throughout the entire buying or selling process. I also believe in keeping in contact with past clients
  • Pacific Funding Group
  • 70 Eagle Rock Way, Suite A, Brentwood, CA, 94513
  • Pacific Funding Group is Mortgage Company that provides Purchase and Refinance loans in the state of California. With branches in Brentwood and Walnut Creek CA, we have hundreds of Loan Programs to serve you including VA Loans, FHA Mortgage Loans, Conventional Mortgage Loans, Jumbo Mortgage Financing and our own in-house mortgage loan products.
  • REInspired Home Loans
  • 541 Montana Street, Brentwood, CA, 94513
  • Your Dream House is out there just waiting for you. With the mix of Search Tools you'll find - You have the ability to effortlessly search listings, save searches, and properties for future visits. The House you've always imagined is only one click away! Let Kristine Messa get you Pre-Approved so that you can find your dream home!
  • SC Realty
  • 2252 Putter Court, Brentwood, CA, 94513
  • SC Realty is a locally-owned brokerage company, focusing on residential financing and sales. We are proud to offer a full-service experience for all your residential real estate needs. At SC Realty, we are a one-stop shop whether you are selling, buying, refinancing, or looking to obtain a new loan.