USDA Loan Vs. FHA loan for Bowie, TX 2025

In 2025, the USDA loan limit for Bowie in Montague county, TX, is set at $336,500. Meanwhile, the limit for an FHA loan for a single-family home is $472,030.

To accurately determine the best USDA versus FHA rates for today, utilize the Lendersa® USDA loan calculator. This tool evaluates the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a comprehensive comparison of USDA, FHA, Conforming, and VA loans side-by-side, aiding you in selecting the most suitable program in Alabama specifically based on your financial situation.

Exploring USDA and FHA Loan Options in Bowie, TX

The goal of Lendersa® is to ensure you acquire the best USDA or FHA loans quickly and without hassle. You can begin with one of three approaches that connect you to suitable lenders and USDA loan programs efficiently.

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

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Understanding USDA Loans in TX

A USDA home loan is a government-backed mortgage offered by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans do not demand any down payment, providing significant upfront savings for those meeting the eligibility criteria.

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(575) 885-4027 Lender's profile and map Reviews Internationalites Federal Credit Union 901 North Canal Street, Carlsbad, NM, 88220 The credit union is a cooperative organization operated by volunteer members formed into governing bodies. A board of seven directors governs the overall operations of the credit union. A supervisory committee examines the credit union operations and oversees the board of directors.
(575) 887-1784 Lender's profile and map Reviews Eddy Federal Credit Union 909 W Pierce Street, Carlsbad, NM, 88220 Eddy Federal Credit Union is committed to making available products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with the credit union.
(575) 887-6686 Lender's profile and map Reviews Western Commerce Bank 127 S. Canyon St, Carlsbad, NM, 88220 Western Commerce Bank opened its doors June 3, 1961 in the small town of Loving, New Mexico. Since that time, the bank has grown and expanded to include eleven full-service locations throughout New Mexico in Carlsbad, Loving, Hobbs, Lovington, Tatum, and Albuquerque. Our slogan is “Pulling Together For You”, and we take that seriously.
(785) 861-4093 Lender's profile and map Reviews Forbes Field CU 5920 SE Coyote Drive, Building 668, Topeka, KS, 66619 Founded in 1958 as Hutchinson Air Guard Credit Union, Forbes Field Credit Union has grown from seven original members to almost 700. Offering share accounts, certificates of deposit, and a wide array of loan products, our mission has never waivered – to foster the ideal of economic freedom and serve as financial advocates for our members.
(575) 623-2265 Lender's profile and map Reviews Valley Bank of Commerce 217 West 2nd Street, Roswell, NM, 88202 Valley Bank’s primary mission has been to serve the banking needs of Roswell as well as Chaves County, and this continues to be the primary driving force behind the bank today. Valley Bank is an independent bank and fully intends to remain independent. The bank has built a reputation of conservative soundness that has served it well
(785) 228-0149 Lender's profile and map Reviews Envista Credit Union 3626 SW Wanamaker Road, Topeka, KS, 66614 At Envista, banking is a personalized experience. We provide the security, competitive rates, and options you expect, delivered with exceptional service from a team who makes your needs and dreams their top priority. Our professional team makes the following promises to each member: We will honor the individual.
(337) 826-3641 Lender's profile and map Reviews Washington State Bank 103 N. Main St, Washington, LA, 70589 Washington State Bank is an independent, locally-owned community bank. We offer modern and efficient systems in order to provide excellent products and services. Personal and Business Banking Available Checking Accounts, Savings Accounts, Loans, Mortgages, etc. The types of personal information we collect and share depend on the product
(785) 357-4669 Lender's profile and map Reviews VisionBank 3031 SW Wanamaker Rd, Topeka, KS, 66614 We were founded on the belief that a bank can best provide excellent, personalized service to its customers when it is rooted in the community it serves and isn't part of a giant banking conglomerate. In the modern financial world, a community bank has the capacity to deliver and meet our customer needs just as the big banks can.
(785) 233-5556 Lender's profile and map Reviews Azura Credit Union 2808 SW Arrowhead Road, Topeka, KS, 66614 Azura Credit Union was formed when Educational Credit Union and Quest Credit Union merged on May 1, 2016. Azura has over 50, 000 members and offers everything from checking and savings, to auto, personal and home loans, business services and online and mobile banking. Credit Union was formed when Educational Credit Union.
(785) 885-4234 Lender's profile and map Reviews Southwind Bank PO Box 40, Natoma, KS, 67651 At Southwind Bank, where you experience banking the way it should be! Here we still believe in personal banking relationships. Our customers are more than just a number; they are our neighbors and friends. For generations, we have worked together with our customers to help our communities grow and prosper.
(913) 592-3326 Lender's profile and map Reviews The State Bank of Spring Hill 201 South Webster Street, Spring Hill, KS, 66083 Since 1927, the State Bank of Spring Hill has continuously provided our community with many banking options and services. We are one of the oldest family-owned banks in Johnson County with a solid reputation throughout the years. We offer our customers old-time values mixed with progressive, automated banking services.
(337) 783-4014 Lender's profile and map Reviews First National Bank of Louisiana 128 North Parkerson Avenue, Crowley, LA, 70526 Our solid foundation was established in the 1920s on the strength and stability of the local community of Crowley, Louisiana. Since our inception, we have grown to hold over $537, 000, 000 in assets, ensuring personal service as the cornerstone of all we do. Although we still call the original Crowley Skyscraper home.