USDA and FHA Pro and Con in Iowa-Park, Wichita County, TX
In 2026, the USDA loan limit for Iowa-Park, located within Wichita, TX, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Lendersa® offers a USDA loan calculator to compare the current best rates between USDA and FHA loans, assessing income, credit needs, reserves, and necessary documentation. With our detailed mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping determine the best option for your situation in .
2026 Loan Limits and Down Payment Requirements in Iowa-Park, Wichita, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Choices in Iowa-Park, TX
Lendersa® aims to efficiently secure you the best USDA or FHA loan. Choose one of three starting points that connect you with matching lenders and appropriate USDA loan programs.
A USDA home loan is backed by the government’s Department of Agriculture and is also referred to as a USDA rural development loan or USDA mortgage, exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.
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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.
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
The Midwestern State University Credit Union, established April 25, 1955, is a member-owned financial cooperative dedicated to providing services that support members’ financial goals and help educate members in making decisions of their own financial affairs. Since the only owners are the members
PosTel Family Credit Union is the oldest, longest lasting credit union in the State of Texas. We are a full service community credit union that provides friendly financial services to anyone and their families who live, go to school, work or worship in Wichita County and its four surrounding Texas Counties including Clay, Archer, Baylor.
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Wichita Falls Federal Credit Union is committed to providing quality service to its Members by offering a full range of financial services with competitive rates in a personal, caring, and professional manner and also We offer the same traditional products and services as a bank – but with low or no fees, and competitive rates
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.
