USDA Vs. FHA Pro and Con comparison in Odessa, Ector County, TX
In the year 2026, the USDA loan limit for Odessa, located in Ector County, TX, is set at $336,500, whereas for a single-family dwelling, the FHA limit is $472,030.
Make use of the Lendersa® USDA loan calculator to assess today's competitive USDA versus FHA rates. It helps you compute the income, credit, reserves, and documentation required for qualification. Our innovative mortgage calculator allows you to compare USDA, FHA, Conforming, and VA programs side by side, facilitating a clear decision on which plan best suits your financial needs in .
2026 Loan Limits and Down Payment Needs in Odessa, Ector, 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 Odessa, TX
The mission of Lendersa® is to expedite the process of acquiring the most advantageous USDA or FHA loan effortlessly. You can choose from three initial strategies that link you with lenders and USDA loan offerings.
A USDA home loan, secured by the U.S. Department of Agriculture, is often called the USDA rural development loan or USDA mortgage and is accessible solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage demands none at all.
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.
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.
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.
At MTCU, our mission statement guides every action we take and decision we make. We believe in the power of defining our purpose. We've always been dedicated to our members, whether they live in Midland, Texas, or other communities, and our mission statement serves as a daily reminder that they are our priority.
My Community Credit Union was federally charted on February 13, 1952, when a local man visited a bank to request a loan for the purchase of a home and was denied. A small group of co-workers for the Atlantic Refining Company (ARCO) joined together to finance this loan so that he could purchase his home.
