USDA VS FHA in Beaumont, Jefferson County, TX

In the year 2025, the USDA loan limit is set at $336,500 in Beaumont, located within Jefferson County, TX. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to effectively compare today's top USDA and FHA interest rates. You can evaluate the income, credit score, reserves, and necessary documents needed to qualify. Our state-of-the-art mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in selecting the most suitable program in for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Beaumont, Jefferson, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Beaumont, TX

Lendersa® strives to provide the optimal USDA or FHA loan option quickly and without inconvenience. Opt for one of three starting points that lead to lender matches and appropriate USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It's available exclusively in rural areas. Unlike FHA loans that require a 3.5% down payment, the USDA loan demands no down payment at all.

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



  • American National Bank of Texas
  • 102 West Moore Avenue, Terrell, TX, 75160
  • Since 1875, American National Bank of Texas (ANBTX) has been a community bank deeply involved with local business owners, possessing a clear understanding of their challenges, goals, and financial needs. We strive to build lifelong relationships by listening first and then building an integrated product and services mix from our portfolio.
  • Randy Walsh Mortgage Connextions LP
  • 3000 Polar Lane, Suite 502, Cedar Park, TX, 78613
  • Randy Walsh lives in Round Rock and serves Texas with mortgage programs tailored to fit the needs of first-time home buyers, & homeowners who need to refinance a mortgage. Randy can educate you about all the loan products offered including conventional loans, FHA home loans, VA home loans, home improvement or renovation loans and USDA home loans.
  • Karen Schimpf - Commercial Capital, Ltd
  • 2800 E Whitestone Blvd, Suite 120, Cedar Park, TX, 78613
  • Approved Commercial Correspondent Loan Broker and Lender specializing in SBA loans, SBA 7a Loans, SBA 504 Loans, restaurant, foreign national, apartment, and commercial hard money loans. Whether you're launching, acquiring, refinancing, or expanding a business or property, rely on Karen and her team to design personalized commercial loan solution
  • Low VA Rates
  • 201 S. Lakeline Blvd, Suite 901, Cedar Park, TX, 78613
  • We specialize in helping military families and veterans receive the lowest VA Home Loan interest rates on the market. We have helped thousands of military home owners use their hard-earned VA benefits and save hundreds to thousands of dollars on their home mortgage and also LowVARates.com is not affiliated with any government agencies.
  • Advantage One Mortgage
  • 1907 Cypress Creek Road, Suite 103, Cedar Park, TX, 78613
  • Advantage One Mortgage is an Austin, Texas based Mortgage Banker. We specialize in the origination of residential mortgage loans including Conventional, FHA and VA products. We have helped people finance homes all over Texas and in many other states as well. The Advantage One Mortgage team is committed to providing clients with the highest quali
  • Advantage Financial Services
  • 824 SW Railroad Ave, Suite A, Hammond, LA, 70403
  • Advantage Financial Services specializes in offering installment loans to help families and individuals make ends meet. Whether it’s an unexpected expense, an upcoming repair bill or even a pending school expense, we understand that life brings with it many situations that stretch budgets.
  • HomeKey Mortgage, LLC
  • 112 W Morris Avenue, Hammond, LA, 70403
  • At HomeKey Mortgage, LLC. We are a full-service mortgage company, conveniently located in Hammond & Denham Springs, with mobile services available throughout the state of Louisiana. We specialize in conventional loans, USDA loans, FHA loans, VA loans & Reverse Loans. Whether you are buying a home or refinancing in any of these zip codes: 70403,
  • Mortgage Pros Inc
  • 6500 River Place Blvd, Suite 250 Bldg 7, Austin, TX, 78730
  • Mortgage Pros is a Texas based, award winning mortgage company committed to excellent strategies and an extraordinary mortgage experience. Mortgage lending is all we do, all day, every day, and we do it best by consistently exceeding our customers’ expectations with integrity, authenticity, superior customer satisfaction
  • Wiser Lending
  • 6500 Riverplace Blvd, Building 7, Suite 250, Austin, TX, 78730
  • Wiser Lending is to provide our clients with a mortgage experience that provides the best rates, lowest costs and customer service that is second to none.We will strive to educate each of our clients to empower them to make a sound financial decision.We will maintain our focus on their individual needs to ensure that when their loan closes.
  • Magee Financial
  • 221 E Charles St, Hammond, LA, 70401
  • Magee Financial, LLC has been a leader in the consumer finance industry since 1955. We pride ourselves on our personal customer relations and strive to offer the best financial solution to all our customers, regardless of their financial situation. We respect our customers and offer quick, convenient and personal service.
  • First Guaranty Bank
  • 400 E Thomas St, Hammond, LA, 70401
  • For over 87 years First Guaranty Bank has proudly served the people of Louisiana. With today’s ever changing economy, there is one thing that will not change and that is First Guaranty Bank’s commitment to our customers. With the power to make loan decisions on a local level we have the strength to help meet the needs.
  • The Right Choice Mortgage, LLC.
  • 14444 University Ave, Hammond, LA, 70401
  • AT Right Choice Mortgage distinguishes itself from the competition with unmatched customer service. Our friendly staff has over 30 years combined experience in the mortgage industry and we strive to make you a client for life. We want to be your Right Choice each and every time. We will go above and beyond for you