FHA Vs. USDA loan program for Bowie, Montague County, Texas

In 2026, 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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(570) 825-2640 Lender's profile and map Reviews SNFCU 254 South Washington Street, Wilkes Barre, PA, 18701 The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions. Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
(570) 825-1790 Lender's profile and map Reviews Luzerne County Federal Credit Union 20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701 Luzerne County Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Luzerne County Federal Credit Union will continue a sound yet progressive asset management strategy.
(570) 823-6151 Lender's profile and map Reviews Corner Post Federal Credit Union 566 South Main Street, Wilkes Barre, PA, 18701 The Credit Union was established as The Wilkes-Barre Federal Credit Union on March 7, 1936 for employees of the Wilkes-Barre Post Office and other Luzerne County Post Offices. It wasn’t until 1970 that Corner Post FCU opened its first office on a part-time basis. In 1971, we reached a major milestone of our first million dollars in assets.
(570) 322-1111 Lender's profile and map Reviews The Luzerne Bank 118 Main Street, Luzerne, PA, 18709 Penns Woods Bancorp, Inc, is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.
(610) 565-3600 Lender's profile and map Reviews Curtis Mortgage LLC 115 West State Street, Media, PA, 19063 Our mortgage experts give you the individual attention you deserve and treat you right. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
(610) 505-9846 Lender's profile and map Reviews Rinaldi Group LLC 1 W 3rd St, Suite 203, Media, PA, 19063 The singular mission for the Rinaldi Group LLC is to be a difference-maker for families in the community. Its our promise to always lead with listening, focus and understanding of our client’s goals by structuring a strategic plan based on those goals. Rinaldi Group LLC was established in October of 2020.
(484) 445-4599 Lender's profile and map Reviews Professional Mortgage Advisors LLC 14 South Jackson Street, Suite 102, Media, PA, 19063 Professional Mortgage Advisors (PMA NMLS#1752417) has taken off under the expert guidance of Robert McLaughlin, a 20+ year mortgage industry professional. Based in Media, PA, PMA looks to be different than your average mortgage company. While some companies look to fit you into their products, PMA wants to find the product that suits YOU.
(916) 600-3123 Lender's profile and map Reviews JC Mortgage 4350 West Avenue, Suite 2, Atwater, CA, 95301 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(805) 238-3516 Lender's profile and map Reviews Spinnaker Financial Inc. 120 Dandelion Lane, Templeton, CA, 93465 At Spinnaker Financial, finding a mortgage designed just for you is precisely what we do. In fact, it’s all we do. Spinnaker Financial was founded in February 1993 by Tyson Hayward. With over 90 years combined experience between Kay Otis, Mary Swabb, and Tyson Hayward, the Spinnaker Financial team is knowledgeable
(315) 365-6054 Lender's profile and map Reviews Savannah Bank National Association 1565 Main Street, Savannah, NY, 13146 Savannah Bank is pleased to announce that, in accordance with the latest CDC guidance, face coverings will be optional for our fully vaccinated customers and staff beginning on June 1, 2021. Masks for those who have not yet been vaccinated are still required, and social distancing guidelines are still in effect.
(610) 216-7987 Lender's profile and map Reviews Mortgage Lehigh Valley 3261 Route 100, Suite 100, Macungie, PA, 18062 My Lehigh Valley roots are deep: I grew up in Macungie, graduated from Emmaus High School, earned a BSBA degree in marketing/finance at Kutztown University, and brought my family back to the Lehigh Valley in 2013. On the professional side, I am unique among loan originators in the Lehigh Valley; no one else can match my experience
(856) 769-4400 Lender's profile and map Reviews Franklin Bank 1179 Route 40, Pilesgrove, NJ, 08098 In 1861, a group of thoughtful citizens met quietly forming Salem's first permanent "Building Association." Plans progressed smoothly & the meeting took place the evening of the same day President Lincoln was inaugurated. A certificate of incorporation for "The Franklin Loan & Building Association of Salem, NJ" was drawn up on April 13, 1861.