USDA Vs. FHA Pro and Con comparison in Big-Spring, Howard County, TX

In 2025, the USDA loan limit in Big-Spring, county of Howard, TX, is $285,000. Meanwhile, the FHA cap for a single-family home stands at $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA against FHA rates, and find the income, credit, reserves, and documents needed for eligibility. Using our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA side by side to select the best program for your financial circumstances in .

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2025 Loan Limits and Downpayment Requirements in Big-Spring, County of Howard, TX

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

Options for USDA and FHA Loans in Big-Spring, TX

The aim of Lendersa® is to swiftly secure you the optimal USDA or FHA loan. Choose one of three starting points that link you to fitting lenders and USDA loan programs.

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What is USDA Loan in TX?

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan, is available exclusively in rural neighborhoods. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans require no down payment.

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



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  • Division Mortgage Group specializes in every type of purchase and refinance mortgage including: FHA, VA, Conventional, Rural Housing, etc. Whether purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced mortgage professionals are committed to providing our customers
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  • Heritage Bank, a state chartered commercial bank, has been serving metro Atlanta's Southern Crescent since 1955. The independent community bank has six full service offices, features a well-rounded offering of commercial and consumer products, and is an active, involved member of the community it serves.
  • New Washington State Bank
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  • New Washington State Bank opened on Main Street in New Washington, Indiana. The bank was founded by a group of ten prominent business leaders and farmers who felt New Washington and the surrounding farming communities would be better served with a bank of their own. From our humble beginning in 1908.
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  • First Community Bank Milton
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  • Comfy Loans LLC is is privately owned and licensed as a residential mortgage broker in 2 states - Florida & Illinois. Unlike banks and giant online lenders, Comfy Loans LLC specialize exclusively in home loans. We can find the best loan for your situation. And because we have access to wholesale rates, we’ll pass those savings along to you.
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