FHA VS Conventional loan programs in 2026 for Wichita-Falls, Wichita County, Texas
In the year 2026, the conventional loan cap in Wichita-Falls, situated in the county of Wichita, TX, is set at $647,200, while a single-family dwelling has an FHA ceiling of $420,680.
Utilize the Lendersa® Conventional loan calculator to evaluate and compare current Conventional, FHA, and USDA rates. This tool helps you assess the income, credit score, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator presents Conforming Conventional loans alongside USDA, FHA, and VA loans, so you can decide which option suits your financial needs in TX.
Loan limits and downpayment requirements in Wichita-Falls, Wichita County, TX for 2026
Type of Loan
Limit on Loan
Required Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison is relevant for zip codes: 76308
Available Conventional and FHA loans in Wichita-Falls, TX
Lendersa® aims to facilitate a quick and smooth experience in acquiring the most advantageous Conventional, USDA, or FHA loans. Start with one of the three approaches to quickly find lenders and loan programs that match your needs.
We are a full service independently locally owned bank. In addition to normal competitive banking opportunities we provide a fill mortgage department for financing homes a title company to complete all real estate transactions including oil & gas title research a trust department available to assist you with any trust account activity you may need
First Bank has remained strong and successful by focusing on our individual customers and our local communities. You'll see that focus come to life when you visit any one of our five locations in Wichita Falls, Burkburnett, or Iowa Park. You'll find yourself in a Bank where you are greeted with courtesy.
Union Square is the largest credit union in the Texoma Area. We are here to serve you, our members, with the best products available and the most competitive rates around. We are people helping people. We are.... Your Financial Center of Choice!
Union Square Credit Union's field of membership is open to those who have the following common bond
Texoma Community Credit Union has served 11 counties surrounding Wichita Falls, Texas since 1953 with a full range of banking services. We are not a big bank, but a financial cooperative. This means every member gets a vote, and our profits go back into the community each year, rather than into the hands of shareholders.
The Jacksboro National Bank was chartered on June 30, 1905 and opened for business July 24, 1905 with initial deposits of $9, 761. We have maintained the philosophy of local independent ownership along with personal dedicated customer service throughout our 100+ years of existence.
Ciera Bank is a state-chartered, full service community bank proudly serving Texas since 1890. Headquartered in Graham, just a short drive outside of the Dallas/Fort Worth Metroplex, Ciera was created from the merger of three banks owned and operated by First Graham Bancorp, Inc. Since merging, Ciera Bank has come full circle, uniting its branches.
