In 2026, the limit for Conventional loans in Stephenville, situated in Erath county, TX, reaches $726,200, whereas the FHA loan limit for a single-family home reaches $472,030. These boundaries establish the maximum borrowing amounts permitted under these two types of loan programs within your area.
The Lendersa® Conventional loan calculator is here to facilitate comparison among the top rates available for Conventional versus FHA and USDA loans as of today. This tool enables you to determine the necessary income, credit status, reserve amounts, and documentation required for qualification. Using our state-of-the-art mortgage calculator, you can analyze Conforming Conventional loans alongside USDA, FHA, and VA options. This comparison helps identify the most suitable program for your specific financial needs in TX.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This comparison table is relevant to the zip codes: 76401, 76402. Make sure your location is within these zip codes to ensure accurate application of the loan limits.
The mission of Lendersa® is to get you access to the best available Conventional, USDA, or FHA loans efficiently and without unnecessary complications. Start by choosing from one of three available initial pathways, each leading you to align with matching lenders and optimal loan programs that are perfectly suited to your financial needs.
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