USDA Vs. FHA your options comparison in Monahans, Ward County, TX
In 2026, the USDA loan threshold in Monahans, within Ward county, TX, is $336,500. Conversely, the FHA limit for a single-family home is noted at $472,030.
Tap into the Lendersa® USDA loan calculator to weigh today’s top USDA against FHA rates and find out the required income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator compares USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program in that aligns with your financial needs.
2026 Loan Limits and Down Payment Requirements in Monahans, Ward County, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Monahans, TX
The aim of Lendersa® is to help you secure the best possible USDA or FHA loan swiftly and without hassle. Choose a starting point from three options that seamlessly link you with lenders and USDA loan programs.
A USDA home loan is guaranteed by the government’s Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available only in rural areas. It requires no down payment, unlike FHA loans which stipulate a minimum of 3.5%.
A half-century ago, in 1956, Ward County Credit Union was founded in Monahans, Texas by a group of teachers and operated out of a class room during the school year and the volunteer manager’s kitchen table during the summer. The member deposits were then and are now used to make loans that benefit the members and the families we serve.
It is the mission of WesTex Community Credit Union to serve its member/owners’ needs by exploring and providing services that help them reach their financial goals as well as educate the member/owners concerning their financial matters. This is done through professionalism, courtesy, respect
First Basin, we strive to provide our members with the latest in technology and ease of access to their accounts. Make a loan payment online, pay your water bill, transfer funds into your savings account, check your balance with your mobile device, and much more... All at your fingertips and for your convenience.
Southwest Heritage CU was originally chartered in 1949 as a not-for-profit financial cooperative for 35 original members. As of January, 2012, we are proud to say we have well over 7, 500 members & total assets of over $75, 000, 000!Credit Union was originally chartered in 1949 as a not-for-profit financial cooperative for 35 original members.
Southwest 66 Credit Union began in late 1948 as a financial cooperative aimed at serving the needs of Permian Basin employees of the Phillips Petroleum company. The first chairman of the board was D.M. Hankings and the first Treasurer was A.W. Brumbelow. The first branch was located in Mr. Brumbelow's home.
Complex Community Federal Credit Union has been open since 1958. The credit union has assets totaling $633.38 Million & provides banking services to more than 40, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working or worshipping in the credit union's geographic area can become a member.
West Texas Credit Union® began in a small room in the ECISD Administration building in 1953. At that time we were known as Ector County Independent School Employee’s Credit Union. Since then, we have expanded our facilities to include the main office and a branch office in Odessa, as well as a branch office in Ft. Stockton.
Members Financial FCU was federally chartered in 1940 and began providing a very limited array of financial services to a handful of employees at Shell Oil Company here in the Permian Basin. In 2008, we acquired Sid Richardson CU and we continue to grow. Offering many products and services, Members Financial FCU is now YOUR community credit union.
Heritage USA Federal Credit Union (HUSA) began as Permian Telco Federal Credit Union in 1949 serving Southwestern Bell employees. During the next 53 years Permian Telco allowed Select Employer Groups (SEGs) into HUSA’s field of membership and eligible members had to work for one of the Select Employers to become a credit union member.
