USDA Vs. FHA Pro and Con comparison in Beaumont, Jefferson County, TX

In 2025, USDA loan limit in Beaumont, county of Jefferson, TX is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Beaumont, county of Jefferson, TX

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

USDA and FHA loan options in Beaumont, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Sunshine Investment
  • 4340 Stevens Creek Boulevard, Suite 176, San Jose, CA, 95129
  • Here at Sunshine Investment, we are local experts in the Bay Area that have been helping people with residential real estate investment decisions for decades. Serving Real Estate, Mortgage service in South Bay for almost 30 years. Also providing professional Property Management service in South Bay, East Bay, and Central Valley Area.
  • Doris Le, Trusted Private Money Lender & Bridge Partner
  • 4300 Stevens Creek Blvd., Suite 275, San Jose, CA, 95129
  • When you have an important real estate transaction, you need a reliable source of funding, one that can provide the funding you need, when you need it. We are a direct, local, private money lender originating, underwriting and funding non-traditional mortgages and hard money loans on residential and commercial properties throughout California.
  • Stonecrest Financial
  • 4300 Stevens Creek Blvd., Suite 275, San Jose, CA, 95129
  • The Stonecrest family of businesses has been involved in real estate investing and financing since 1986. We specialize in private money lending, but we are also a full service loan brokerage. For borrowers with less than traditional bank qualifications, We provide private real estate loans at competitive rates, based primarily on equity.
  • Ahmed Group
  • 2181 Watercress Place, San Ramon, CA, 94582
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending.We have access to a full range of mortgage sources & all of our lending specialists are dedicated to finding the right loan-with the best rates, & costs-to meet your unique needs.
  • Mitchell Mortgage
  • 1737 Hoffman Street, Woodland, CA, 95776
  • Mitchell Mortgage has been serving the home loan needs of our clients in Napa, California for over 24 years. In addition to the beautiful Napa Valley, we are now also located in the lovely communities of Davis and Woodland, California to better serve the residents of Yolo County and the Sacramento region.
  • JBM Mortgage Inc
  • 4115 Blackhawk Plaza Circle, Suite 100, Danville, CA, 94506
  • As an independent mortgage consultant, Julie McKinney have no ties to in-house products giving you the advantage of access to more options from a broad range of lenders, and objective advice on choosing the best loan to fit your specific financial needs and goals. Julie will be by your side through every step of the process.
  • Premier Mortgage Direct Corp.
  • 430 Kingston Drive, Danville, CA, 94506
  • Premier Mortgage Direct offers the experience and resources of a big box retailer, combined with the expertise and personal touch of a small business and our first step is actually getting to know you. We'll get to know your hopes and dreams, how much you want to spend, and where you want to live. Then we’ll work together to find the mortgage.
  • Mortgij, Inc.
  • 632 Birchwood Court, Danville, CA, 94506
  • We've interviewed hundreds of people that have gone through multiple mortgages and we're addressing issues in regards to filling out forms in an easier way, simplifying the language used, adding further transparency in describing loan estimates and even tackling equal opportunity lending in ways than nobody else has done it before.
  • Compass Mortgage Advisors
  • 3840 Blackhawk Road, Suite 105, Danville, CA, 94506
  • Compass Mortgage Advisors is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, Refinancing an outstanding loan, or consolidating debt.
  • Fremont Bank
  • 39150 Fremont Blvd, Fremont, CA, 94538
  • Fremont Bank is one of the oldest locally owned banks in the San Francisco Bay Area. It was founded in 1964 and is based in Fremont, California. We know that community banking makes a difference to our customers, our business partners, and our employees. We believe that each success in our community improves the quality of life for us all
  • American United Mortgage
  • 42820 Albrae Street, Fremont, CA, 94538
  • American United Mortgage Corp has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual home buyers and home owners in California. Our mission is to provide you with the best mortgage. That is why unlike our competition, we put our clients needs first.
  • DIVERSIFIED MORTGAGE GROUP
  • 39300 Civic Center Drive, Suite 100, Fremont, CA, 94538
  • DIVERSIFIED MORTGAGE The best way to find out what mortgage is best for your home purchase is to get preapproved with a Diversified Mortgage Group loan officer. Mortgage pre approval will give you a realistic idea of your down payment and budget and give you more negotiating power when you make an offer.