USDA Vs. FHA your options comparison in Bryan, Brazos County, TX
For the year 2026, the USDA loan limit in Bryan, within Brazos County, TX, is set at $336,500, whereas the FHA loan cap for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast the latest USDA against FHA prime rates. This tool helps you figure out the required income, credit status, reserves, and documentation for eligibility. Our innovative mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, allowing you to choose which option in Alabama suits your financial needs best.
2026 Loan Ceilings and Downpayment Criteria in Bryan, covering Brazos County, TX
Loan Category
Maximum Amount
Downpayment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Bryan, TX
The mission of Lendersa® is to facilitate acquiring the best USDA or FHA loans quickly and without complications. You can start with any of the three options we provide to connect with lenders and specific USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, designated for rural communities only. They differ from FHA loans, which require at least a 3.5% downpayment, while USDA loans require none.
Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses. We are a proud member of the nationwide Farm Credit System which provides financing to meet the needs of rural America.
In 1961, ten employees from the United State Post Office and the United States Department of Agriculture each made an investment to purchase a share of ownership in the newly chartered credit union called Brazos County Federal Employees Credit Union. This credit union was established by its members to serve the federal employees from USPS, USDA.
Guarantee Mortgage Company, College Station, Texas mortgage lender. What’s the difference between us and big banks? We shop around between different lenders to find you lower rates and more loan options to get you into your home faster. Call us today. Don’t settle for the one or two loan products banks offer.
750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
Lends in Texas
1st Alliance Mortgage is not like other mortgage providers. For us, it’s not just about products and price. It’s about service. Service to our customers and our community. Whether you’re buying your first home or refinancing, 1st Alliance Mortgage is your calm, clear and experienced guide through the mortgage process.
750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
Lends in Texas
At 1st Alliance Mortgage we have the expertise and experience to get you the right mortgage, and to handle your transaction professionally. With our experience, and our rates and programs, you are sure to get the mortgage that is right for you. Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage.
First State Bank of Bedias is an independent community bank serving Grimes County, Texas and surrounding counties. First State Bank of Bedias proudly celebrated 110 years of continuous operation during 2017 and remains one of the few locally owned and managed financial institutions in the area.
Our Mission is to Building lifelong relationships by exceeding expectations. First National Bank was one of the first banks in the state to be granted a National Charter (Monty Humble, "A History of Banks in Cameron".The Texas Historian, September 1970, p. 8). In 1889 First National Bank of Cameron Opens Doors.
We are proud to be invested in a community, invested in us! As your local community bank, we work hard to provide products and services that help our community thrive. As your trusted local bank, we are committed to giving back. For over 95 years, CSB has been dedicated to providing the best hometown financial support serving three counties
Rockdale FCU is a multi-service financial co-operative formally organized on January 20th, 1970. The approval of organization certificate was completed and administered by oath from Mr. Cal Phelps, Bureau of Federal Credit Union Examiner to C. E. Magee Jr, Ben Ford, J. D. Maines, Nolin Werchan, Clyde L. Paceley, Thomas E. Alford.
