FHA VS Conventional loan programs in Wharton, Wharton County, Texas

For 2025, the limit for conventional loans in Wharton, within Wharton county of TX, is $726,200. In contrast, the FHA limit for a single-family property is $472,030.

Utilize the Lendersa® Conventional loan calculator for a comparative analysis of today's top rates for Conventional, FHA, and USDA loans. It assists in determining the necessary income, credit scores, reserve requirements, and documentation for qualification. With our state-of-the-art mortgage calculator, you can conveniently contrast Conforming Conventional loans alongside USDA, FHA, and VA options, aiding you in selecting the optimal program for your financial circumstances in TX.

Compare loan offers from a network of 100 lenders

2025 Loan Limits and Down Payment Requirements in Wharton, Wharton, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table pertains to the following zip codes: 77488

Explore Conventional and FHA Loan Options in Wharton, TX

The objective of Lendersa® is to secure the most suitable Conventional, USDA, or FHA loan with speed and ease, avoiding unnecessary complications. Start by choosing from three options that lead you to matched lenders and loan programs.

Lendersa USDA loan request matching outcomes


  • Catalyst Funding, LLC
  • 11550 Fuqua St, Suite 210, Houston, TX, 77034
  • Real estate investing requires attention to detail while maintaining a fast-paced mentality.At Catalyst Funding,we not only fulfill your hard money lending needs,but we also provide unrivaled guidance & knowledge throughout the real estate investment journey.Building long-lasting,mutually-beneficial relationships is what sets us apart from the pack
  • National Bank & Trust
  • 145 West Colorado, La Grange, TX, 78945
  • Chartered in 1888, National Bank & Trust is headquartered in La Grange, Texas, and has been a major contributor in the development and expansion of the business and agricultural community since its inception. National Bank & Trust is a full-service Bank with friendly people who take the time to listen
  • Atrich LLC
  • 350 North Sam Huston Parkway East, Suite101, Houston, TX, 77060
  • Atrich is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Money Man 4 Business
  • 363 N Sam Houston Pkwy E, Suite 1100, Houston, TX, 77060
  • We are an independent sales office that provides loan programs to small and medium size business.Money Man 4 Business can provide valuable working capital to strong, under-served businesses in any industry without the issues usually associated with traditional bank loans. In fact,we have already helped thousands of merchants all across the country.
  • House of Professionals Inc
  • 14363 Torrey Chase, Suite F-1, Houston, TX, 77014
  • We have been in the real estate/mortgage industry for 33 years. I can help direct you on the best plan for you with your current financial status mixed with your future plans. We offer different financial solutions and sometimes can even help you if you were turned down from a different company. Don't go home shopping without knowing.
  • Guarantee Loan Service
  • 1209 Main Street, Suite A, Pasadena, TX, 77506
  • At Guarantee Loan in Texas and our focus on the financial needs of our customers. Since our founding during the 1930s, we have helped people across the Lone Star State rebuild their credit through installment loans. Our motto is “we succeed when our customers succeed. With many locations across the state of Texas.
  • Morton Mortgage Inc
  • 8900 Eastloch Drive, Suite 140, Spring, TX, 77379
  • Morton Mortgage, Inc. is a Texas Mortgage Company. Renee Morton and her team bring the expertise of over 40 years to the closing table. They take great pride in offering competitive rates, exemplary customer service and great attention to detail to insure your home lending experience is the finest.
  • The Brenham National Bank
  • 2211 S Day St, Brenham, TX, 77833
  • Brenham National Bank began its existence in 1933 as Farmers National Bank at the corner of Main and S. Baylor streets. In 1949 the bank moved across the square into the building which housed the Day Cotton Company and the Double Dip Ice Cream Co. That location was renovated and expanded many times to meet the growing needs of the bank. In 1975,