In 2026, the USDA loan limit in West-Odessa, located in the county of Ector, TX, is $285,000, whereas the FHA limit for a single-family residence is $356,362.
Use the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, helping you determine the necessary income, credit rating, reserves, and documentation for eligibility. This advanced mortgage calculator also lets you view USDA, FHA, Conforming, and VA options side by side to choose the best program in for your specific financial needs.
Loan limits and down payment criteria for 2026 in West-Odessa, county of Ector, 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 West-Odessa, TX
Lendersa® aims to swiftly and efficiently secure the best USDA or FHA loan for you. Begin by selecting one of three main pathways to connect with compatible lenders and discover suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is designed for rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage does not require any down payment at all.
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