FHA VS Conventional loan in Wichita-Falls, Wichita County, Texas

In 2025, Convetional loan limit in Wichita-Falls, county of Wichita, TX is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in TX is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Wichita-Falls, county of Wichita, TX

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 76308, 76310, 76311, 76309, 76306, 76305, 76302, 76301, 76307

Conventional and FHA loan options in Wichita-Falls, TX

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • CSC Capital Corp.
  • 1701 N Collins Boulevard, Suite 125, Richardson, TX, 75080
  • CSC Capital Corp. is a direct, private, construction warehouse lender to qualified mortgage bankers for manufactured, modular, and site-built land/home purchases. We are located in Richardson, Texas, and have served clients for more than 15 years and Our loan is to you, the lender, so you can control both your interim and end loan.
  • Magnificent Mortgage Group
  • 811 South Central Expressway, Suite 229, Richardson, TX, 75080
  • 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.
  • Lending Star Capital, LLC
  • 2701 Custer Parkway, Suite 706, Richardson, TX, 75080
  • Our team has over 15 years’ professional experience in mortgage and real estate, with extensive product knowledge and client-centered customer service. Our goal is to provide competitive rates, minimum costs, prompt support, and stress-free closing for our clients, making your home loan journey a pleasurable experience!
  • Mercantile Morgage Corporation
  • 1401 North Central Expressway, Suite 100, Richardson, TX, 75080
  • 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.
  • The Mortgage Broker Group
  • 1401 N Central Expy, Richardson, TX, 75080
  • The Mortgage Broker group 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.
  • VERITY MORTGAGE
  • 16970 Dallas Parkway, Suite 401, Dallas, TX, 75080
  • Verity Mortgage is a member of the Eustis Mortgage Corporation family of companies is setting a high bar for our competition. Over 60 years ago, Eustis Mortgage Corporation opened its doors with a focus on two things that all great organizations have in common. Low staff turnover and a high percentage of repeat customers.
  • First National Bank Mortgage
  • 201 E. Debbie Ln, Mansfield, TX, 76063
  • First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices. Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.
  • Minter Mortgage, Inc.
  • 2409 Hillary Trail, Mansfield, TX, 76063
  • Minter Mortgage are you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Mansfield Mortgage Company
  • 208 East Broad Street, Suite 101, Mansfield, TX, 76063
  • "At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
  • Southwest Airlines Federal Credit Union
  • 2430 Shorecrest Drive, Dallas, TX, 75235
  • Southwest Airlines Federal Credit Union is a financial institution formed in 1975 to serve the financial needs of employees of Southwest Airlines. Over the years we have added more than 150 Select Employee Groups (SEGs) to the list of companies whose employees we serve. Adding Southwest Airlines Federal Credit Union .