USDA Loan Vs. FHA loan pro & con Athens, Henderson County, TX

In 2026, the USDA loan cap in Athens, located in Henderson, TX, is $336,500, whereas the limit for FHA on a single-family home is set at $472,030.

Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, identifying the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA options, aiding your decision on which program in best aligns with your financial condition.

Exploring USDA and FHA Loan Options in Athens, TX

Lendersa® is committed to connecting you with the best USDA or FHA loans quickly and efficiently. Choose one of three starting strategies to find matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, secured by the U.S. Department of Agriculture—often known as a USDA rural development loan or USDA mortgage—is accessible solely in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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Athens Lenders
(903) 852-6911 Lender's profile and map First State Bank of Brownsboro 14225 State Hwy 31 E, Brownsboro, TX, 75756 Lends in Texas The First State Bank of Brownsboro was established in 1917 and has been locally owned since that time. We have become known to the community as The "Friendly Bank". Our bank offers an array of personal and business products with loans and deposit accounts that can fit everyone's needs.
(903) 833-5861 Lender's profile and map FIRST STATE BANK BEN WHEELER 14269 State Highway 64, Ben Wheeler, TX, 75754 Lends in Texas First State Bank of Ben Wheeler is a true Texas community bank. Locally owned and operated since 1911, our mission is to always have superior customer service. You are not a number to us. You are a person, a family, a business partner, and a part of the future of Van Zandt County. Locally owned means that decisions are made here.
(903) 498-8541 Lender's profile and map First National Bank of Kemp 100 South State Highway 274, Kemp, TX, 75143 Lends in Texas First National Bank of Kemp first opened its doors in August, 1901, after a group of local farmers, ranchers and businessmen decided to provide much-needed financial services to the community. Through wars, depression, recessions, and plenty of good times, First National Bank of Kemp has been right here, serving and growing with the community.
(972) 347-9224 Lender's profile and map Horizon Lending Services 11411 Cedar Glen, Flint, TX, 75762 Lends in Texas Horizon Lending Services LLC specialize in Texas and California VA home loans and Reverse Mortgages. We take pride in being recognized as a premier mortgage broker offering a wide array of products. We want you to turn the home of your dreams in the reality. Horizon Lending wants to give you the best options so you can make the right decision
(903) 729-3226 Lender's profile and map MOPAC Employees Federal Credit Union 200 South Queen Street, Palestine, TX, 75801 Lends in Texas MOPAC Employees Federal Credit Union was chartered in 1936 to serve employees of the International Great Northern (IGN) Railroad. In 1956, the IGN Railroad was merged into the reorganized Missouri Pacific Railroad Company (MoPac). In 1999, Southern Pacific Railroad merged with Union Pacific.
(512) 643-1385 Lender's profile and map Atlas Credit Co, Inc. 2210 W Grande Blvd, Tyler, TX, 75703 Lends in Texas Our unique loan process allows you to e-sign your loan documents, receive your money directly into your bank account and offers you the option of paying over the phone with a debit card. No hassles, no gimmicks, no hidden fees. We offer plain and simple installment loans. and also Atlas Credit, we understand that life is busy and you don't always
(903) 595-3604 Lender's profile and map United Credit Union 4901 Old Jacksonville Highway, Tyler, TX, 75703 Lends in Texas United Credit Union opens a financial world to experience banking as it should be. Credit unions will generally have lower rates on loans and higher rates on savings and investments. At United we believe in offering our members a choice. Choose from a variety of online services and in person services. It's about YOU and what YOU need.
(903) 597-7291 Lender's profile and map Kelly Community Federal Credit Union 2105 West Grande Boulevard, Tyler, TX, 75703 Lends in Texas Kelly Community, “We care for members like family.” When you’re a member, you’re family. We’ll give you our best financial counsel just like we would a family member. We’ll go out of our way to find solutions that work for you just like we would a family member. For more than 59 years, helping you save more, earn more and do more financially
(903) 561-6617 Lender's profile and map BTH Bank 6657 Old Jacksonville Hwy, Tyler, TX, 75703 Lends in Texas BTH Bank has over 107 years of history and maintains an equity ratio well above regulatory guidelines. In 2013, approximately 185 subscribers invested $42 million new equity into the bank. Those shareholders as well as the then approximately 400 existing shareholders have illustrated their respect