Mortgage broker in Katy, TX.

Adjust the inputs to see your max purchase price, target monthly payment, and front-end/back-end DTI. Tied to the same calc engine our loan officers use.

Because the conforming limit in Harris County reaches $806,500, most Katy buyers can finance a significant purchase with a conventional loan and avoid jumbo territory. Conventional financing works well across the master-planned communities and new construction neighborhoods throughout the area. FHA loans are a practical fit for first-time buyers targeting entry-level price points, particularly in older sections of Katy closer to the historic downtown area, though the $556,150 FHA limit does cap how far that program stretches. VA loans are available up to $806,500 for eligible veterans and active-duty service members with full entitlement. Buyers pushing above the conforming ceiling into higher-priced new builds can explore jumbo loan options. USDA eligibility may apply to select addresses on the outer western edges of the Katy area, so it's worth checking if you're buying further out.