In 2026, the USDA loan limit for Baytown, in the county of Harris, TX, stands at $336,500, while the FHA limit is set at $472,030 for single-family homes.
Lendersa® offers a USDA loan calculator to compare today's best USDA and FHA rates, helping you determine the income, credit, reserves, and paperwork required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA rates side by side, aiding your decision on the most suitable program for your financial situation in Alabama.
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| Type of Loan | Maximum Loan | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to securing you the most beneficial USDA or FHA loan quickly and without hassle. You can choose from three starting points that match you with lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the government's Department of Agriculture and is specific to rural areas. Unlike FHA loans that require at least a 3.5% down payment, a USDA mortgage necessitates no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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