FHA VS Conventional loan in Spring, Harris County, Texas

In 2026, the Conventional loan cap in Spring, within Harris county, TX stands at $726,200, while the FHA ceiling for a single-family dwelling is $472,030.

The Lendersa® Conventional loan calculator is designed to help you compare current rates among Conventional, FHA, and USDA loans, illustrating the income, credit score, reserves, and documentation needed for eligibility. This advanced mortgage calculator shows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA loans, aiding you in choosing the optimal financing solution in TX that suits your financial goals.

Browse loan offers from 100 lenders

2026 loan limits and down payment requirements in Spring, Harris county, TX

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

This comparison table pertains to zip codes: 77373

Conventional and FHA loan choices in Spring, TX

Lendersa® is committed to swiftly connecting you with the best possible Conventional, USDA, or FHA loans with minimal hassle. Choose one of three starting pathways, each leading to matching lenders and loan options tailored to your needs.

Lendersa USDA loan request outcomes


Spring Lenders

  • Spring Mortgage LLC
  • 500 Spring Hill Dr, Suite 140, Spring, TX, 77386
  • Lends in Texas
  • Our mission is to provide the most seamless mortgage process possible while minimizing the cost of securing a mortgage. We are able to provide this seamless process through our systems, our relationships, and, most importantly, our people. We are able to minimize costs by focusing on a volume-based approach that is geared toward.

  • STOREHOUSE MORTGAGE LLC
  • 25700 I-45 North, Suite 400, The Woodlands, TX, 77386
  • Lends in Texas
  • We are your one stop shop for all things mortgage. As you can see by our name we don’t mind being just a bit different. We built Storehouse Mortgage for YOU- to help you build a storehouse of wealth in your real estate needs. We are high tech, high touch and love helping people. We felt that there was a void in the mortgage industry.

  • A & K Mortgage
  • 25404 Highway 59, Suite 204, Porter, TX, 77365
  • Lends in Texas
  • "A & K Mortgage is a wholesale brokerage dedicated to educating our clients and providing superior service in the home buying process.

    As a wholesale broker, we are able to offer buyers options to loan products and unique financing.

    We have offer loans FHA, Conventional, USDA, VA, Non-QM, Commercial, Manufactured homes, Condos, etc"

  • Third Coast Bank, SSB
  • 20202 Hwy 59 North, Suite 190, Humble, TX, 77338
  • Lends in Texas
  • Third Coast Bank SSB, was launched in 2008 by a group of local entrepreneurs with a passion for supporting the business community along the Texas Gulf Coast. Since then our bank has grown to $2 billion in assets, with over 250 employees & 12 locations. We've expanded to serve more Texas communities while maintaining our focus on responsive service

  • InvesTex Credit Union
  • 8404 FM 1960, Humble, TX, 77338
  • Lends in Texas
  • Since the beginning, InvesTex Credit Union has grown and expanded our field of membership. As we look forward to a new chapter in Credit Union history, we look back fondly on the past. In the fall of 1952, Aldine Teachers Credit Union was formed by a small group with a vision to meet the needs of the employees

  • One Source Home Mortgage
  • 2408 Timberloch Place, Suite B-3, The Woodlands, TX, 77380
  • Lends in Texas
  • One Source Home Mortgage was Est. in 2003 by Owner / Broker Tom Derrick. We have built our reputation on high values, honesty and integrity. We believe by giving our clients the best service, competitive rates and fees, we have built a network of satisfied clients, that conitinue to send thier friends and family to our Company for the same respect

  • Jackson Henry Mortgage, LLC
  • 26403 Oak Ridge Drive, Suite 200, Spring, TX, 77380
  • Lends in Texas
  • Jackson Henry Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

  • CLM Mortgage, Inc.
  • 480 Wildwood Forest Dr, Suite 802, Spring, TX, 77380
  • Lends in Texas
  • CLM Mortgage the preferred lender of Chesmar Homes, has branches in Houston & San Antonio. Our loan officers offer excellent service and explain the loan process to you so it's easy to understand, and we'll work to get you the best rate available for your loan. We work with all borrowers throughout the state of Texas.

  • Traditions Mortgage Group
  • 2001 Timberloch Place, Suite 500, The Woodlands, TX, 77380
  • Lends in Texas
  • Traditions Mortgage Group is buying, selling, refinancing, or buildingyour dream home, you have a lot riding on your loan officer. Since marketconditions and mortgage programs change frequently, you need to make sureyou’re dealing with a top professional who is able to give you quick andaccurate financial advice. As an experienced Mortgage Company.