Conventional Loans in Cypress, TX
Competitive rates and flexible terms for Northwest Houston's booming market. Purchase homes up to $832,750 with removable PMI and build wealth faster.
Why Conventional Works for Cypress Buyers
Cypress's growing market attracts buyers with strong credit and solid incomes. Conventional loans reward these qualifications with better rates, no upfront fees, and PMI that goes away—maximizing your purchasing power.
Cypress Conventional Loan Rates
Current rates as of March 2026*
30-Year Fixed
APR: 6.78%
Most popular choice
15-Year Fixed
APR: 6.02%
Save on interest
7/1 ARM
APR: 6.35%
Fixed for 7 years
*Rates for well-qualified buyers. Your rate may vary. Contact for personalized quote.
Cypress Real Estate Snapshot
Median Home Price
Annual Growth
Avg. Days on Market
Sale-to-List
New Construction Boom
Cypress leads Greater Houston in new home construction. Bridgeland alone has over 20 builders with homes from $350K-$800K+. Conventional loans work perfectly for new builds with their flexible terms and competitive rates.
Cypress Conventional Loan FAQs
What is the conforming loan limit in Cypress, TX?
The 2026 conforming loan limit for Cypress (Harris County) is $832,750 for single-family homes. This covers most properties in communities like Bridgeland, Towne Lake, and Cypress Creek Lakes.
What are current conventional rates in Cypress?
As of March 2026, conventional 30-year fixed rates in Cypress start at 6.625% for well-qualified buyers with 740+ credit scores. 15-year rates are around 5.875%. Rates vary based on credit, down payment, and loan amount.
How much down payment do I need?
Conventional loans in Cypress require as little as 3% down for first-time buyers or 5% for repeat buyers. Put 20% down to avoid PMI entirely. Most Cypress conventional buyers put 10-20% down.
Get Your Cypress Rate Quote
See today's conventional loan rates for Cypress properties.