USDA Vs. FHA your options comparison in Borger, Hutchinson County, TX
In 2026, the USDA loan cap in Borger, part of Hutchinson county, TX, is set at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine the necessary income, credit, reserves, and documentation for qualification. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, facilitating a decision on which program in best suits your financial situation.
2026 Loan Limits and Downpayment Requirements in Borger, Hutchinson, 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 Borger, TX
Lendersa® is devoted to securing the best USDA or FHA loans timely and with ease. Choose one of three starting points that connect you with matching lenders and eligible USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also called the USDA rural development loan or USDA mortgage, is exclusively available in rural zones. Unlike FHA loans, which need a minimum down payment of 3.5%, USDA loans require no down payment.
At Borger Federal Credit Union, our members matter most. We strive to have individual relationships with all of our members, providing the most insight, education and strongest relationships in the Panhandle. We’ve served our community for over 50 years and as a Credit Union that is owned by you, we are able to offer lower rates on loans.
Our Credit Union was chartered February 27, 1937 with Pampa Independent School District as our sponsor. Since the early 1980’s, our field of membership has been extended to the **family members of Pampa Independent School District employees. As a Credit Union, we believe that friendly, personal service is our number one priority.
Bivins Federal Credit Union has been open since 1940. The credit union has assets totaling $6.57 Million and provides banking services to more than 500 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
A group of investors led by current CEO/Chairman Bill Pittman founded First National Bank in April, 1985. Since the bank has opened, Bill has repeatedly said, "The only difference between banks is the people. At First National Bank, we strive every day to treat our customers the way we want to be treated.
At The State National Bank of Groom, we value our customer relationships. Our mission is to be the outstanding banking organization in our trade territory, capable of successfully competing against organizations that are marketing the same products and services.We will achieve this by consistently delivering superior service
PamCel Community FCU has been open since 1953. The credit union has assets totaling $14.8 Million & provides banking services to more than 1, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member & access.
Cabot Credit Union was officially chartered on June 6, 1931 after successfully completing the filing process with the Department of Banking. On 1956, Cabot Credit Union changed our name to Cabot Employees Credit Union to better reflect the membership of the time. Our commitment to our membership. It defines who we are, what we do, and why we exist.
Northeast Panhandle Teachers FCU is a cooperative, not-for-profit organized to promote thrift and provide credit to members. It is member owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the day by day operations of the credit union.
Perryton National Bank, is a single facility bank located in the heart of Perryton, Texas serving Ochiltree County and the surrounding area. The Bank offers the services of a modern financial institution while maintaining the integrity and personalized service of a community bank
