USDA VS FHA in Beach-City, Chambers County, TX

In 2025, the USDA loan cap in Beach-City, located in the county of Chambers, TX, is $285,000. For a single-family home, the FHA limit is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates, determining the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side, enabling you to decide which program in is best suited for your financial scenario.

Review loan offers from up to 100 lenders

2025 Loan Limits and Downpayment Requirements in Beach-City, County of Chambers, TX

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Choosing USDA and FHA Loan Options in Beach-City, TX

Lendersa® aims to swiftly secure the best possible USDA or FHA loan for you, free of hassle. You can choose from three starting paths, leading to the right lenders and USDA program options.

Lendersa USDA loan request and matching results image

Understanding USDA Loans in TX

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible only in rural neighborhoods. In contrast to FHA loans that mandate a minimum 3.5% down payment, USDA loans need no down payment.

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



  • Enterprise Bank & Trust
  • 150 N Meramec Ave, Clayton, MO, 63105
  • We offer Banking and financial services with offices in Arizona, Kansas, Missouri and New Mexico. Member FDIC, Equal Housing Lender Enterprise Bank & Trust was founded nearly 30 years ago on the idea of serving the lifetime financial needs of privately-held businesses their owner families and other success-minded individuals.
  • Carlson Mortgage LLC
  • 7777 Bonhomme Avenue, Suite 1800, Saint Louis, MO, 63105
  • We specialize in conventional, FHA, Veterans (VA) & Jumbo Loans. We work with 8 major banks, but don't have any allegiance to a specific one. Because of that fact we are able to routinely offer you some of the lowest rates in the country. What separates us from other local brokers is that you will never have to pay ANY broker fees
  • Gateway Mortgage
  • 7733 Forsyth Blvd, Suite 1100, Saint Louis, MO, 63105
  • Gateway Mortgage is one of the longest established Missouri mortgage brokerage firms in the St. Louis region serving clients since 1990. Our company has expanded rapidly over the years but we’ve always strictly adhered to our proven business model of excellence & honesty the foundation that has made Gateway the selection of over 10, 000 homeowners
  • Home Savings and Loan Association, F.A.
  • 210 E Second Street, Norborne, MO, 64668
  • Home Savings & Loan Association of Carroll County is a federally chartered savings association that has been serving our community since 1919. We pride ourselves in offering friendly personalized service to our customers. We offer a variety of services including real estate loans, auto loans, certificates of deposit, IRA’s, checking accounts.
  • Pinnacle Real Estate Advisor Home Loans
  • 2020 Marconi Avenue St, Saint Louis, MO, 63110
  • Pinnacle Real Estate Advisor Home Loans is a locally owned and operated mortgage company located at 2020 Marconi Ave in the heart of The Hill. The Pinnacle Team was established in August 2014 and is now run by Chris Gianino, President, and Bill Lally, CEO. Pinnacle was founded from the need for a more streamlined residential lending process
  • Chattanooga First Federal Credit Union
  • 3120 Broad Street, Chattanooga, TN, 37408
  • Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.
  • Chattanooga Neighborhood Enterprise
  • 1500 Chestnut Street, Suite 102, Chattanooga, TN, 37408
  • Chattanooga Neighborhood Enterprise, Inc. was founded in 1986 to help improve the quality of life in Chattanooga by building strong, sustainable neighborhoods through the promotion and preservation of homeownership. CNE has helped over 4.000 Chattanooga residents purchase their first home.
  • Mortgage Assurance, LLC
  • 1391 Holmes Street, Suite 119, Chattanooga, TN, 37408
  • Morgage Assurance is ready to help you purchase your dream home today. We are a family owned business located in Chattanooga, Tennesee Mortgage Assurance has nurtured relationships with numerous lending companies across the U.S., which allows us to custom fit a lender for the loan program.
  • Carroll County Trust Company of Carrollton, Missouri
  • 2 South Folger, Carrollton, MO, 64633
  • Carroll County Trust Company is a small town community bank established in 1919. When the Carroll County Trust Company was formed, the banks of Carrollton were family owned entities. The original Board of Directors and founders of the Carroll County Trust Company were comprised of local farmers and businessmen.