FHA VS Conventional loan programs in Waco, McLennan County, Texas
In 2026, the Conventional loan limit for Waco, located in McLennan County, TX, is $726,200, whereas the FHA limit for a single-family home is $472,030. Understanding these limits is crucial for homebuyers and those refinancing their homes.
Use the Lendersa® Conventional loan calculator to compare the best rates available today for Conventional, FHA, and USDA loans. Calculate necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage tools offer a side-by-side look at Conforming Conventional loans, USDA, FHA, and VA options, providing you the insight to determine which program suits your financial requirements best in TX.
Understanding 2026 Loan Limits and Downpayment Requirements in Waco, McLennan, TX
Grasping these limits is essential for informed mortgage planning and financial strategy.
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table pertains to the respective zip codes: 76798. It's a helpful guide for those pursuing mortgage opportunities.
Options for Conventional and FHA Loans in Waco, TX
The goal at Lendersa® is to ensure you secure the optimal Conventional, USDA, or FHA loan in a hassle-free and timely manner. Choose from one of three pathways that connect you to matching lenders and loan programs, personalized to meet your needs.
NeighborWorks® Waco is a non-profit organization whose mission is to build stronger neighborhoods through homeownership, quality rental housing and community-building initiatives. Our team will continue work both on site and remotely, and will be available by mail and phone. We have decided to temporarily.
GENCO Federal Credit Union was originally created to meet the financial needs of employees of the General Tire and Rubber Company (Waco Plant) and their immediate families. GENCO's first office building was built in 1960 at 1905 Kendall Lane. GENCO's Board of Directors decided to purchase a building in the heart of the Waco business.
First Central Credit Union is a Financial Services company located in Central Texas, United States. We are a not-for-profit credit union meaning we pass along to you savings and funds from profits as less fees and better rates -- as we provide secure competitive financial services, Exceeding the needs of our members.
At The McCulloch Team, we treat every customer as an individual, not a number. You won’t be placed into a loan profile created by the banking industry. We use common sense and will help you obtain the best home loan possible. We have a wide range of programs and together find the loan that’s best suited for you.
The Koehn Mortgage Group, we treat every customer as an individual, not a number and we don't place you into a loan profile, created by the banking industry. We will help you obtain the best home loan possible, for your particular situation. We have a wide range of programs and together we'll find the loan that's best suited for you
1st University Credit Union has been helping people achieve their financial goals since 1956 when the president of Baylor University wrote a letter to the Texas Credit Union Department requesting a charter for a credit union to serve the employees, students, and alumni of Baylor and their families.
The Brazos Higher Education Service Corporation, Inc. (Brazos Higher Education) is a nonprofit corporation that has been dedicated to providing assistance for higher education for over 40 years. Brazos Higher Education is an independent organization that is self-funded and self-capitalized. We are not affiliated with any colleges or universities.
Educators Credit Union. In the beginning, the credit union was named McLennan County Teachers Federal Credit Union, but was later changed to Educators Credit Union ECU is the largest credit union in Central Texas, with more than 28, 000 members and over $500 million in assets. It is our goal to meet the financial needs
Alliance Bank Central Texas was established in 2007 to fill a void in Waco caused by the many bank mergers, consolidations, and centralizations taking place at the time. At Alliance Bank Central Texas, we believe that customers come first and do not want to deal with big, impersonal banking giants.
