USDA Vs. FHA your options comparison in Central-Gardens, Jefferson County, TX
In Central-Gardens, within Jefferson of TX, the USDA loan limit for 2025 is $285,000. Meanwhile, the FHA loan limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to evaluate the top USDA and FHA rates available today, and identify the income, credit, reserves, and documentation required to qualify. By using our advanced mortgage calculator, you'll be able to compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on which program in suits your financial situation best.
2025 Loan Limits and Downpayment Requirements in Central-Gardens, Jefferson, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in Central-Gardens, TX
The primary objective of Lendersa® is to facilitate your access to the best USDA or FHA loan quickly and without complications. Begin by selecting one of three pathways that lead you to matching lenders and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan, or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA loans require no down payment at all.
1111 Main Street, Suite 1600, Kansas City, MO, 64105
Armed Forces Bank is a family-owned business dedicated to supporting the financial well-being of the individuals and businesses within our communities. We provide a wide variety of affordable, competitively priced, and easily accessible credit and retail banking services through an extensive network of branche.
We offer Online Banking, Visa Credit Cards, Financial Education, Checking and Savings accounts, Secured and Unsecured Loans and Mortgages. We also offer Credit Builder education, Preparing for a Mortgage education and Business accounts. Holy Rosary Credit Union is a financial cooperative owned by all its members.
At Commerce Bank, we know life’s best moments can come with some financial complexity. Our job is to help people and businesses navigate challenges so they can get back to focusing on what matters most. We do this by getting to know our customers and communities and accepting their goals as our own to deliver the right financial solutions.
Bank Midwest is a leading community banking franchise, headquartered in Kansas City, Missouri. We serve clients throughout Missouri & Kansas by providing a comprehensive portfolio of products and services to meet the needs of commercial, consumer and small business clients. As we grow, our goal is to continue to deliver a superior level of service.
We pride ourselves on our motto, “Small enough to know you, large enough to serve you”. Formed in 1946, we now serve government (federal, state, county, or city) employees, current and retired working in Johnson and Wyandotte counties in Kansas and Jackson and Clay counties in Missouri.
2301 Independence Boulevard, Kansas City, MO, 64124
Central Bank of Kansas City is a local community bank that has provided financial services for individuals and businesses since 1951. Central Bank has been family-owned since the 1960s and has been certified as a Community Development Financial Institution (CDFI) since 1998 by the US Treasury Department.
National Community Bank is a locally owned community bank. We are deeply committed to the success and growth of local businesses and the financial prosperity of our customers in our community with extraordinary involvement in the communities we have served since 1975.We pride ourselves in our experienced staff of familiar local Bankers.
RMC Employees 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 RMC Employees Federal Credit Union will continue a sound yet progressive asset management strategy
First United Bank and Trust Company is a real community bank, formed in 1996 to fill a need for traditional, personal banking in the area. Today, even though we’ve grown, our roots remain in community banking. Our focus is to support the communities we serve with the best possible products and services.
