USDA Vs. FHA your options comparison in Harvey, Jefferson County, LA

In 2026, the USDA loan cap for Harvey in Jefferson County, LA is $336,500. Meanwhile, the FHA limit for a single-family residence is set at $472,030.

Employ the Lendersa® USDA loan calculator to compare today’s USDA and FHA rates, determining the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you find the best program in to fit your financial needs.

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2026 Loan Limits and Down Payment Requirements in Harvey, Jefferson County, LA

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 Harvey, LA

At Lendersa®, our goal is to efficiently connect you with the ideal USDA or FHA loan, without hassle. Begin with one of three routes leading to matched lenders and USDA loan options.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in LA

A USDA home loan, insured by the U.S. Department of Agriculture and also called a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, making them easier to obtain.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Bank of San Jacinto County, Coldspring, Texas
  • 100 Hwy 150, Coldspring, TX, 77331
  • The Bank of San Jacinto County is a community bank in every sense of the word. Our management and ownership is from here, and lives here. When you open an account or apply for a loan, nothing gets sent off to another corporate office, and chances are, you don’t live far from where your banker lives. We know our customers.

  • IBEW Local 66 Federal Credit Union
  • 4345 Allen Genoa Road, Pasadena, TX, 77504
  • IBEW Local 66 Federal Credit Union has been open since 1971. The credit union has assets totaling $10.02 Million and provides banking services to more than 1, 000 members. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.

  • Texas Bay Credit Union
  • 12611 Fuqua Street, Houston, TX, 77034
  • Texas Bay Credit Union was established on May 12, 1936, with the sole purpose of providing the resources needed for members to be in the best financial standing possible.

    We are here to make sure the road to your dreams is smooth and easily traveled. From wherever you are in that journey now, we provide a clear path to your financial dreams.

  • Texan Bank, National Association
  • 12941 Gulf Freeway, Suite 100, Houston, TX, 77034
  • Texan Bank originally received its Federal Thrift Bank Charter as the Sugar Land, Texas, based “Bank of Fort Bend” in December 2007. The bank was purchased on March 30, 2011, by its current owner, Friendswood Capital Corporation, an investor-owned Bank Holding Company. The bank was renamed “Texan Bank” in July 2011

  • Davis Penn Mortgage Co
  • 12650 N. Featherwood Dr, Suite 120, Houston, TX, 77034
  • Since 1974, Davis-Penn Mortgage Co. has dedicated its resources to providing developers and owners the expertise to obtain construction and permanent financing through the FHA/HUD programs. We are a privately held, full-service, direct lender of HUD multifamily loans and healthcare facilities. As a GNMA approved issuer and servicer.

  • Choice Home Loans LLC
  • 12727 Featherwood Dr, Suite 286, Houston, TX, 77034
  • Clear Choice Home Loans LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,

  • DAR Mortgage Corp
  • 730 FM 1959 Road, Suite 200, Houston, TX, 77034
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Catalyst Funding, LLC
  • 11550 Fuqua St, Suite 210, Houston, TX, 77034
  • Real estate investing requires attention to detail while maintaining a fast-paced mentality.At Catalyst Funding,we not only fulfill your hard money lending needs,but we also provide unrivaled guidance & knowledge throughout the real estate investment journey.Building long-lasting,mutually-beneficial relationships is what sets us apart from the pack

  • Shared Resources Credit Union
  • 2102 East Pasadena Freeway, Pasadena, TX, 77506
  • Shared Resources Credit Union is committed to serving the needs of our members by providing quality service in a conscientious manner that will develop new business and enhance existing relationships. Our credit union is open to anyone who lives, worships, works, or attends school within a 10-mile radius of any Shared Resources branch.

  • Guarantee Loan Service
  • 1209 Main Street, Suite A, Pasadena, TX, 77506
  • At Guarantee Loan in Texas and our focus on the financial needs of our customers. Since our founding during the 1930s, we have helped people across the Lone Star State rebuild their credit through installment loans. Our motto is “we succeed when our customers succeed. With many locations across the state of Texas.

  • Noble Home Mortgage LLC
  • 1506 East Winding Way Drive, Building 105, Suite 505, Friendswood, TX, 77546
  • Noble Home Mortgage is a mortgage broker company in Friendswood, TX, dedicated to helping you gain access to the mortgage financing you need. and Noble Home Mortgage is dedicated to finding you not only the best loans for you, but also the right ones. Our service will get you the mortgage you need.

  • Jefferson Credit Union
  • 5261 Ross Bridge Pkwy, Hoover, AL, 35226
  • Jefferson Credit Union is a financial institution based in Hoover, Alabama. Anyone in Jefferson County or any of the surrounding counties can become a member for life with an initial deposit of $5. Our members have access to home mortgages, auto loans, checking accounts, savings accounts, CD's, and many other banking services.