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.
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Mortgage Zone is a brokerage specializing in home loans. If you are buying or refinancing, we can help you get the options you need to reach your financial goals. We offer renovation, home improvement, and renovation loan options. When you want to refinance, we can help you understand your options.
Town and Country Home Mortgage We are a locally owned mortgage broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are t broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are the State's experts on the USDA Rural Guarantee.
The Griffith Institute Employees Federal Credit Union was established in 1961 by a group of teachers employed by the Griffith Institute Central School District. The Credit Union was created to allow the employees of the school district access to savings and loan accounts. In 2002, GIEFCU’s field of membership was expanded to include employees.
Garrett Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process. Contact me today and learn what I can do for you.
First National Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
Remarkable Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
As a licensed Mortgage Lender/Broker, we know from firsthand experience how overwhelming it can be to deal with mortgages. However, we also know that it doesn’t have to be this way. Seafarer Home specializes in helping you understand all of your mortgage and financing options so you can make smart and informed decisions.
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