USDA Vs. FHA Pro and Con comparison in Alice, Jim Wells County, TX
In the year 2026, the set USDA loan limit in Alice, within the county of Jim Wells, TX, is $336,500. In comparison, the FHA loan limit for a single-family house is established at $472,030.
Use the Lendersa® USDA loan calculator to analyze and contrast today's most competitive USDA versus FHA rates. This tool aids in identifying the necessary income level, credit status, reserves, and paperwork required to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you determine which option in is the most suitable for your unique financial circumstances.
Comprehensive 2026 Loan Limits and Down Payment Requirements in Alice, County of Jim Wells, TX
Type of Loan
Established Loan Limit
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
A Review of USDA and FHA Loan Options in Alice, TX
Lendersa® is committed to swiftly linking you with the most optimal USDA or FHA loan solutions, free from hassle. You can select from three starting paths that result in matching lenders with appropriate USDA loan programs.
A USDA home loan is a type of government-backed mortgage endorsed by the U.S. Department of Agriculture, also known as a USDA rural development loan. This particular financing option is exclusively available for properties located within rural communities. Unlike FHA loans that require a down payment of at least 3.5%, USDA mortgage loans offer a significant advantage by eliminating the need for any down payment, making it a compelling choice for eligible buyers in rural areas.
These loans can substantially lower the barriers to homeownership by offering potentially lower interest rates and decreased mortgage insurance costs, enhancing the affordability and accessibility of home loans for those seeking properties in rural locations.
Cowboy Country Federal Credit Union is an under served financial institution owned and operated by our members. We re-invest our member’s money into the community of Premont, Texas and the surrounding area. The reinvestment of funds back into the local communities provides a full range of personal affordable financial services to our members.
Chemcel Federal Credit Union has been serving the families of Celanese employees since 1951. As time went by, we began offering our services to conTractors working at the Celanese sites as well as their families. Now, Chemcel FCU is able to serve residents living, working, worshipping and/or attending school in Jim Wells, Kleberg.
Texas Community Federal Credit Union (formerly known as Kingsville Community FCU) has been open since 1937. The credit union has assets totaling $22.75 Million and provides banking services to more than 2, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working,
Charter Bank is located in Corpus Christi, TX, USA & is part of the Depository Credit Intermediation Industry.Charter Bank has 55 total employees across all of its locations & generates $42.03 million. Charter Bank is chartered under the laws of the State of Texas & by state law is subject to regulatory oversight by the Texas Department of Banking.
We are committed to creating life long relationships with our members through exceptional service and financial products. To become our members’ preferred partner for their everyday financial needs. STAR Financial Credit Union began in 1959 as a means to provide the employees of Pontiac Refinery.
Freedom Bank is a full-service South Texas financial institution that operates with a high level of customer satisfaction in providing the products and services that the community demands and deserves. We accomplish this by paying a high level of attention to making prudent decisions that take into account sound credit principles, customer needs.
First State Bank of Odem was established in 1945, by a group of local business men. For the last 75 years we have been serving San Patricio and Northwest Nueces County with "Home Town Banking". First State Bank of Odem is a Locally Owned Independent Community Bank, committed to providing our customer with High Quality, Friendly Customer Service.
SouthTrust Bank was founded in George West, Texas in 1934. Originally First National Bank, we have grown to seven locations in South Texas and Houston by
successfully serving our communities and customers. We are locally owned, locally managed, and compete successfully with the largest mega-banks as well as
CoastLife Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility.
