USDA Vs. FHA your options comparison in Bellaire, Harris County, TX
For the year 2026, the USDA loan limit for a single-family home located in Bellaire, within Harris county of TX, is $336,500. In contrast, the FHA loan limit stands at $472,030.
Make use of the Lendersa® USDA loan calculator to effectively compare today's USDA versus FHA rates. This tool helps establish the necessary income, credit, reserves, and required documents needed to qualify for these loans. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program best matches your financial situation in .
2026 Loan Limits and Down Payment Criteria in Bellaire, County of Harris, TX
Loan Type
Loan Limit
Down Payment Requirement
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Bellaire, TX
The primary goal of Lendersa® is to help you quickly secure the most suitable USDA or FHA loan, without any hassle. You can begin with one of three distinct starting options that align you with lenders providing tailored USDA loan programs.
A USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is insured by the U.S. Department of Agriculture. This type of mortgage is exclusively available for properties located in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans offer the substantial advantage of needing no down payment, making them a highly attractive choice for qualified homebuyers.
These loans can also offer lower interest rates and reduced mortgage insurance costs, making homeownership more attainable for those looking to buy in rural communities.
11602 South Redwood Road, Suite B201, Riverton, UT, 84095
Optimum Mortgage, LLC. We are a full-service mortgage company based in Riverton, UT. We specialize in FHA Streamline in the State of Utah (Soon to expand to more states). Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
1124 W South Jordan Pkwy, Suite A, South Jordan, UT, 84095
The Lending Alliance is mortgage home loan provider founded in the belief that every customer deserves the best service and that every employee deserves the best work environment no matter what.As home is where the heart is, it is our mission to be honest, faithful, and unwavering in assisting all our customers in making sound financial decisions.
10808 S River Front Pkwy, Suite 393, South Jordan, UT, 84095
Unified Lending is your premier mortgage lender located in the beautiful Wasatch front. If you are looking to purchase a new home or refinance the one that you have, we are here to help! We take great pride at Unified Lending in educating our customers and in keeping them informed during the loan process.
1258 W South Jordan Parkway, Suite 102, South Jordan, UT, 84095
Our vision is simple, we are focused on helping loan officers grow their business. Most of the loan officers that join our company have experienced at least one of these common frustrations that have limited their growth. If any of the following frustrations resonate with you, let’s have a conversation soon.
2150 South 1300 East, Suite 400, Salt Lake City, UT, 84106
First Electronic Bank is an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah. First Electronic Bank believes in building a financial services industry that is inclusive and effective for the diverse range of consumers, businesses, and partners that rely on it.
Our mission is to be our members's 1st choice for high-quality financial products and services. We take pride in our history of serving teachers and the educational industry and strive to make the lives of our members easier and more rewarding. We now serve all of Salt Lake county, providing friendly and convenient financial services.
1586 E Stratford Ave, Suite 3, Salt Lake City, UT, 84106
At LATITUDE LENDING, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
The Credit Union’s mission is to improve the financial lives of all members while promoting an environment that, like the J.A.C.L.’s vision, “respects the values of fairness, equality and social justice. “ The J.A.C.L. was founded in 1929 and is the oldest and largest Asian American civil rights organization in the United States.
