USDA VS FHA in Alvin, Brazoria County, TX

Within the year 2026, the USDA loan limit for Alvin, which is in Brazoria county of TX, stands at $336,500, whereas the FHA loan limit for a single-family home is $472,030. These limits set the maximum amounts you can borrow in these respective loan categories.

Using the Lendersa® USDA loan calculator, you can review and contrast today's top rates for both USDA and FHA loans. It allows you to determine the income, credit, reserves, and documentation required to qualify. With our state-of-the-art mortgage calculator, you can compare side-by-side options, including USDA, FHA, Conforming, and VA loans, aiding you in selecting the best-suited program in for your financial needs.

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Loan limits and downpayment obligations for 2026 in Alvin, part of Brazoria, TX

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 Solutions in Alvin, TX

The mission of Lendersa® is to efficiently secure the best USDA or FHA loan for you, minimizing hassle. You can begin with one of three initial pathways that will align you with matching lenders and tailored USDA loan programs suitable for your circumstances.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is specifically available only in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, the USDA mortgage demands no down payment at all.

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



Alvin Lenders

  • Chocolate Bayou Credit Union
  • 1301 North Highway 35 Bypass, Alvin, TX, 77511
  • Lends in Texas
  • Chocolate Bayou Credit Union serves those who live, work, or worship in Brazoria County. We offer affordable, quality financial products and services like loans, checking and savings accounts, and more. Credit Union serves those who live, work, or worship in Brazoria County. We offer affordable, quality financial products and services.

  • Brazos CCU
  • 2 Miles South of FM 2917, Alvin, TX, 77511
  • Lends in Texas
  • Brazos Community Credit Union has been open since 1970. The credit union has assets totaling $26.33 Million and provides banking services to more than 2, 000 members as of March 2022.
    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • Texas Advantage Community Bank, National Association
  • 1701 Fairway Plaza, Suite 18, Alvin, TX, 77511
  • Lends in Texas
  • We are a true community bank. The bank is staffed with well known and experienced local talent. We make decisions locally and deliver our products and services faster and more efficiently than the big banks can. Texas Advantage is about the strength of its people. Our SBA loan specialists are ready to help you

  • First National Bank of Alvin
  • 1600 East Hwy. 6, Alvin, TX, 77511
  • Lends in Texas
  • All services at First National Bank of Alvin have been restored. We apologize for any inconvenience that the outage has caused and appreciate your business. First National Bank of Alvin has earned a 5 Star rating for financial stability from Bauer Financial. First National Bank of Alvin is now offering Credit MasterCards to approved customers.

  • Noble Home Mortgage LLC
  • 1506 East Winding Way Drive, Building 105, Suite 505, Friendswood, TX, 77546
  • Lends in Texas
  • 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.

  • Preferred Funding, LLC
  • 2530 O'Day Rd, Pearland, TX, 77581
  • Lends in Texas
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Mortgage Options of Texas Limited Company
  • 2404 South Grand Boulevard, Suite 220-A, Pearland, TX, 77581
  • Lends in Texas
  • Committed to providing ideal financing options to homebuyers and homeowners. We care what our customers think of us and so should you. We are partners in your business and your success is ours. Independent, locally owned mortgage brokerage offering various loan options. VA, FHA, conventional, reverse & Non QM loans.

  • American Baptist Association Credit Union
  • 7911 Stratford Hall Drive, Rosharon, TX, 77583
  • Lends in Texas
  • The American Baptist Association Credit Union was organized on March 17, 1970, with a purpose and goal to help those that are associated with the American Baptist Association. The credit union is regulated by the Credit Union Department of the State of Texas and is examined at least once a year by the department.

  • REI Lending Network, LLC.
  • 3918 ABBEYWOOD DR, Pearland, TX, 77584
  • Lends in Texas
  • Maximize and create the endless possibilities of real estate investing with our trusted network of private money lenders and flexible commercial bridge loans. Nationwide reach, tailored solutions, and rapid access to unlimited capital to fund your next deal – We're your reliable partner in achieving financial success through real estate.