Explore the differences! FHA VS Conventional loan programs in Texas-City, Galveston County, Texas

As of 2025, the limit for Conventional loans in Texas-City, housed in Galveston, TX, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680. These limits are crucial for homebuyers and refinance seekers to understand their financing options.

Use the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. It helps in determining the required income, credit score, reserves, and necessary documents. Our advanced mortgage calculator presents side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, guiding you to select the most suitable program for your financial needs in TX.

Explore loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Texas-City, Galveston, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 Three percent
USDA $285,000 Zero percent
FHA $420,680 Three point five percent

This table applies to the zip codes: 77591, 77590, 77539, 77554

Explore Loan Options for Conventional and FHA in Texas-City, TX

Lendersa® aims to help you secure the best Conventional, USDA, or FHA loans swiftly and effortlessly. Choose one of three starting pathways to connect with matching lenders and loan programs tailored to your needs.

Results from Lendersa USDA loan requests and matchings


  • Moneyline Mortgage Inc
  • 8028 12th Avenue South, Saint Petersburg, FL, 33707
  • Moneyline Mortgage Inc can help you achieve your goals. To set up the right St Petersburg, FL Mortgage plan for you, get in touch with us -- we're happy to help. Our mission is to provide a stress free experience in acheiving your dream to own a home or refinance your current home at the best rate available.
  • Bank of Hazlehurst
  • 22 South Tallahassee Street, Hazlehurst, GA, 31539
  • At the Bank of Hazlehurst, we pride our selves in our ability to offer a full range of financial products and services. You won't find more superior service or friendliness anywhere in today's marketplace. They provide the following services: Full Service Office Location and are located at 22 South Tallahassee Street
  • MBN Services Corp, Inc
  • 1901 Sarah Dr, Olney, IL, 62450
  • With hundreds of mortgage branch and loan officer employment opportunities out there, making a choice on who to sign up with is not an easy task! MBN SERVICES CORP, Inc is here to help save you time, energy and money trying to find the best mortgage branch and/or loan officer employment opportunity that will fit YOUR needs at NO COST to you!
  • My Healthcare Federal Credit Union
  • 4720 NW 39th Ave, Gainesville, FL, 32606
  • My Healthcare Federal Credit Union has been serving employees of thehealth care community since 1974. The credit union was originally formed under the name of HCA Federal Credit Union and was chartered to serve the health care community of North Florida Regional Medical Center in Gainesville, FL.
  • Alligator Mortgage Company
  • 2630-B NW 41st Street, Gainesville, FL, 32606
  • The Alligator Mortgage Company Team is your premier mortgage team located in Gainesville, Florida. We pride ourselves on offering some of the best mortgage rates in Gainesville and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Gainesville area.
  • Members First Community Credit Union
  • 1201 North 24th Street, Quincy, IL, 62301
  • Members First is a full service financial institution located in Quincy, IL. Liking our page gives you instant access to current events, promotions, and ready to launch products Members First is committed to the "People Helping People" philosophy, providing our community with safe, affordable, relevant financial services.
  • Mercantile Bank
  • 440 Maine St, Quincy, IL, 62301
  • Mercantile Bank was founded by local businessmen in Quincy, Illinois in 1906 and became part of United Community Bancorp, Inc. in 2013. Today, Mercantile, as United Community Bank, continues the tradition established a century ago of serving and supporting the financial needs of individuals, families, businesses, and organizations
  • 1st Equity Capital Funding, Inc.
  • 4359 35th Street North, Suite E5, Saint Petersburg, FL, 33714
  • 1st Equity Capital Funding, Inc equityWhether the commercial real estate you are trying to finance is for a rate & term refinance due to a balloon coming due, a cash out refi, a note being called in, or an acquisition, we work in correspondence with many wholesale commercial mortgage lenders from Life Insurance Companies.
  • Northeast Missouri State Bank
  • 600 South Baltimore, Kirksville, MO, 63501
  • The Northeast Missouri State Bank was originally chartered as Schuyler County State Bank in 1933. The name was changed to Northeast Missouri State Bank in 1988, to better reflect our area of customer service, and the main bank moved to Kirksville, MO. In 2004, the bank expanded by purchasing the LaPlata State Bank.