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, 76310, 76311, 76309, 76306, 76305, 76302, 76301, 76307
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.
On March 29, 1951, the Hemingford Co-Operative Federal Credit Union was granted its charter by the Bureau of Federal Credit Unions.
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Alliance Community Bank is a $325 million financial institution operating four full service bank locations in Menard and Sangamon Counties. Trust services as well as the non-insured ACB Wealth Management division compliment the full array of traditional FDIC insured banking products offered through the bank.
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In 1966, a group of local businessmen and residents began the process to organize a community bank to serve the Midland area
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