FHA VS Conventional loan in Winnsboro, Wood County, Texas
In 2026, the maximum for a conventional loan in Winnsboro, part of Wood County, TX, is $726,200. In contrast, the FHA ceiling for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to consider Conforming Conventional, USDA, FHA, and VA loans side by side, supporting your decision on the best program in TX for your financial needs.
2026 Loan Limits and Down Payment Requirements in Winnsboro, Wood, TX
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table is applicable for zip codes: 75494
Options for Conventional and FHA Loans in Winnsboro, TX
The goal of Lendersa® is to efficiently secure the best Conventional, USDA, or FHA loan with minimal hassle. Choose one of three pathways to find matching lenders and loan offerings.
Cypress Bank officially began operation October 3, 1977. Beginning with capital of $500, 000 and three full time employees. We now post assets of $200, 000, 000 and capital of $21, 500, 000 and employ 75 employees at our five locations. Our growth is reflective of the growth and prosperity of the Northeast Texas region.
Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.
The Texas Loan Company is a client-focused mortgage brokerage firm that specializes in providing our clients the best product with the best rate while providing the best service. Give us a call we will fund your home dreams and also Conventional mortgages are ideal for buyers with good credit and money to put down.
Alliance Bank has been a strong Banking presence in Northeast Texas since its opening in the late 1920s. Although the name has changed from Sulphur Springs State Bank to Alliance Bank since we first opened our doors, our dedication to providing a high level of customer service has always remained the same.
North East Texas Credit Union has been open since 1948. The credit union has assets totaling $201 Million and provides banking services to more than 14, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans.
Our bank was chartered in 1889 as The Bank of Daingerfield. In 1892, the bank converted to a National charter and the name became The National Bank of Daingerfield.
The bank was operated continuously since its inception, weathering both the Great Depression and the banking crisis of the 1980s
East Texas Telco Credit Union was organized June 26, 1951, as a state-chartered credit union in a Longview home. The credit union served employees of Southwestern Bell Telephone Company in Longview. As the credit union grew, the location was moved to where the credit union now sits, and another branch in Tyler was added in 1996.
East Texas Professional Credit Union has been open since 1953. The credit union has assets totaling $962.5 Million and provides banking services to more than 79, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans.
Citizens 1st Bank was chartered in Rusk on April 6, 1920. During the past 90+ years, the bank has had only three presidents - B. B. Perkins, E. R. Gregg, and the current President, James I. Perkins. Our current President has served since 1971 providing stability and leadership for the bank.
