FHA VS Conventional loan programs in 2026 for West, McLennan County, Texas
In the year 2026, the loan limit for a Conventional loan in the city of West, within the county of McLennan, TX, is set at $726,200. Meanwhile, for a single-family home, the FHA loan limit is $472,030.
Utilize the Lendersa® Conventional loan calculator to explore and compare the top rates available for Conventional, FHA, and USDA loans today. It will help you assess the requirements for income, credit score, financial reserves, and documentation needed for eligibility. Our state-of-the-art mortgage calculator allows you to view side-by-side details of Conforming Conventional, USDA, FHA, and VA loans, assisting you in determining the most suitable option in TX for your financial needs.
2026 Loan Limits and Downpayment Requirements in West, McLennan, TX
Type of Loan
Loan Limit
Down Payment Percentage
Conventional (Conforming)
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparative data is relevant for zip codes: 76691
Explore Options for Conventional and FHA Loans in West, TX
Lendersa® is committed to securing you the most competitive Conventional, USDA, or FHA loan quickly and efficiently. Choose one of the three approaches below to connect with compatible lenders and loan programs that suit 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
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.
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.
