USDA and FHA Pro and Con in Central-Gardens, Jefferson County, TX
In Central-Gardens, within Jefferson of TX, the USDA loan limit for 2026 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.
2026 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.
In 1935, 5Point was born as a credit union intended to support the men and women who worked for The Texas Company. What started as a small community endeavor with 57 members and $247 in total savings has grown in ways its founders could not have imagined. Today, 5Point is one of the largest independent not-for-profit financial institutions.
Neches Federal Credit Union has a deep history with roots that have been serving members of Southeast Texas since the early 1940’s. Just as the Neches River connects and links our neighboring cities, Neches FCU is the heartbeat of financial service, touching and strengthening our community.
MCT Credit Union Sprout is the online personality of MCT Credit Union, based out of Port Neches, Texas. By members choice, this institution is not federally insured, but privately insured by American Share Insurance. Credit Union, based out of Port Neches, Texas. By members choice, this institution is not federally insured
Golden Triangle Federal Credit Union originated in 1953. Since that time, Golden Triangle FCU has grown and prospered. GTFCU was formed by the employees of Atlantic Refinery and Pipeline Company. The original name of the credit union was Atlantic-Atreco Federal Credit Union. Now known as 'TOTAL' Refinery
3001 Jimmy Johnson Boulevard, Port Arthur, TX, 77642
Lends in Texas
Port Arthur Teachers FCU was organized in February 1953 to serve the employees of the Port Arthur Independent School District. The credit union operated in the homes of the directors for the first 20 years until it purchased the first building. Our mission is to be the first institution members will come to for their financial needs.
Port Arthur Community FCU has been open since 1950. The credit union has assets totaling $22.66 Million and provides banking services to more than 2, 000 members. 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 and access banking services.
Coburn Credit Union is a cooperative financial organization owned solely by its members and operated solely for their benefit. Overall policies are set by the Board of Directors who are elected each year by the credit union members present at the annual meeting. A staff of paid employees manages the day-to-day operations.
660 S Martin Luther King Jr Parkway, Beaumont, TX, 77701
Lends in Texas
Beaumont Community Credit Union is committed to providing a full range of competitively priced, efficiently delivered financial products and services. We will strive to achieve ultimate member satisfaction with a courteous and professional staff, supported by sound management and a solid financial foundation.
First State Bank opened its doors on August 12, 1914. The bank was chartered and operated as Live Oak County State Bank until May 23, 1932, when the current name was adopted. Previous stockholders include John Nance Garner, former Vice President of The United States. The first branch opened on November 28, 2016 in Beaumont
