Explore the differences! 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, 76710, 76711, 76712, 76708, 76701, 76707, 76706, 76704, 76702, 76703, 76714, 76797, 76799. 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.
Tennessee Trust Mortgage, Inc. was established as a Mortgage Lender in January of 1996, by the owner Monty Moore in Nashville, TN. We are a local Mortgage Lender that prides itself with being able to get the job done fast and efficiently, but still accurately. We offer all long term low interest rate loans for our customers
1490 Garden of the Gods Road, Suite A, Colorado Springs, CO, 80907
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
4419 Centennial Blvd, Suite 260, Colorado Springs, CO, 80907
The Mortgage Cowboy is a full service mortgage shop offering VA, FHA, USDA, Conventional loans. 25 years of experience in the lending industry. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service.
2735 Dublin Boulevard, Colorado Springs, CO, 80918
Aventa Credit Union is a financial services company based out of Colorado Springs, Colorado, United States and serves the Pueblo and San Luis Valley communities as well. Aventa Credit Union is dedicated to protecting your identity and account information. We go above and beyond with products like intrustion software, biometrics.
5350 N. Academy Blvd, Suite 205, Colorado Springs, CO, 80918
Our mission is very simple. Treat people the way you want to be treated. Proverbs 18:10 says “The name of the Lord is a strong tower: the righteous man runneth into it, and is safe. Strong-Tower truly wants everyone we work with to feel safe and understand that we will always be honest in our interaction.
1935 Dominion Way, Suite 200, Colorado Springs, CO, 80918
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
5555 Erindale Dr, Suite 206, Colorado Springs, CO, 80918
Colorado Home Mortgage & Financial Ltd. is your source for a variety of HOME LOAN FINANCING OPTIONS. Located in Colorado Springs, CO, We SPECIALIZE in VA, CONVENTIONAL, FHA, JUMBO and NON-PRIME FINANCING!
Whether you’re buying a home or refinancing your current mortgage, the experts at Colorado Home Mortgage & Financial Ltd. are here for you.
Integrity Mortgage & Financial Inc, located in Colorado Springs, CO was founded in March 2002 by Russell Rowe. We are a mortgage banker and are licensed in both Colorado and New Mexico. Leveraging the extensive experience of its senior management and loans officers, Integrity Mortgage & Financial Inc offers a broad range of loan products
5350 N Academy Blvd, Suite 204, Colorado Springs, CO, 80918
Jerry started Diversified Lending in 2005 as a response to a need for open, competitive, transparent lending practices. His business has steadily grown through referrals, partnerships with local professionals, and word-of-mouth. His home loan practices are diligent and thorough, and he strives to serve as best mortgage broker in town.
