USDA Vs. FHA Pro and Con comparison in Bacliff, Galveston County, TX

In 2025, the USDA loan limit in Bacliff, Galveston, TX stands at $336,500, while the FHA limit for a single-family home is $472,030.

Take advantage of the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates, determining the necessary income, credit scores, reserves, and documentation for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Bacliff, Galveston, 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 Options in Bacliff, TX

Lendersa® strives to swiftly secure for you the best USDA or FHA loan without hassle. Begin with one of three pathways to connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in TX?

A USDA home loan, also called a USDA rural development loan or mortgage, is guaranteed by the U.S. Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down, USDA loans have no down payment requirement.

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



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