As of 2026, the USDA loan limit for El-Campo, in Wharton, TX, is set at $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to evaluate and contrast the best USDA versus FHA rates available today, determining the income, credit reserves, and documents necessary for qualification. Our sophisticated mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA programs to help you choose the right option tailored to your financial situation in .
Loan Limits and Down Payment Requirements for 2026 in El-Campo, Wharton, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in El-Campo, TX
Lendersa® strives to deliver the optimal USDA or FHA loan swiftly and effortlessly. Choose from three starting points that pair you with lenders and USDA loan programs.
A USDA home loan, also referred to as the USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and is available specifically for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.
WCTCU has been serving Wharton County educators and their families for over 65 years. WCTCU received its charter on September 4, 1953. Since its founding, it has provided financial services to employees of Wharton County Junior College and employees of the five independent school districts in Wharton County
Texasgulf FCU served the employees and their families of the Texasgulf Sulphur Company in New Gulf, Texas. Texasgulf FCU continued to exclusively serve the employees of the sulphur company and their families for fifty-five years until the sulphur reserves started to deplete Texasgulf FCU now services over 13, 000 members and has $125 million in ass
Old Ocean Federal Credit Union was established in 1949. We are a federally chartered credit union, abiding to the strict regulations monitored and enforced by the National Credit Union Administration (NCUA). NCUA also insures each member’s deposits for up to $250, 000. You can rest assured your money is in a safe place.
Matagorda County Credit Union is member-owned and exists to promote financial security through savings, lending, financial education and other financial services. The membership will have available sound, cost-effective services which reflect their changing needs. We will support our membership and the community in which we live.
Baycel Federal Credit Union is a member owned, federally chartered financial institution. It is regulated by Federal standards and examined by Federal examiners. Being member owned, it is independent and is governed by an elected Board of Directors. The credit union is a success - your success - because of member participation.
Wallis Bank is a full service community bank with locations in Houston, Dallas, San Antonio, Los Angeles, and Atlanta. At Wallis Bank, our mission is to provide you with financial services that are unsurpassed in customer satisfaction. What makes Wallis Bank unique is our ability to serve the small rural customers to large international customers.
J C T Federal Credit Union has been serving the employees of the Edna, Ganado and Industrial School Districts since 1971. We take pride in providing you with fast, accurate and confidential services.We offer a full range of services including Share Draft Accounts (Checking) that pays you an annual dividend credited monthly.
Jackson County Federal Credit Union began as MAGVAN Federal Credit Union in 1955 when a group of Mobil employees working in Vanderbilt chartered the credit union. Since then, the credit union has been chartered to be a community credit union, to serve anyone living or working in Jackson County.
