USDA and FHA Pro and Con in Cleveland, Liberty County, TX

In 2026, for Cleveland, Liberty, TX, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in fits your financial situation best.

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2026 Loan Limits and Down Payment Requirements in Cleveland, Liberty, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Cleveland, TX

Lendersa® aims to secure the best USDA or FHA loan quickly and without hassle. Start with one of three options to find matching lenders with USDA loan programs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in TX?

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require a 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 2265 Ocaso Camino, Fremont, CA, 94539
  • Axel Real Estate and Home loans is a family based business run by husband and wife team. Our Profit margins are so slim that no other Agents can afford to beat. My husband Rizwan (Rizzi) Elahi has 30 years of mortgage processing and underwriting experience. He structures the hardest loan files for successful and on time close of escrow .

  • Polaris Financing
  • 39560 Stevenson Place, Suite 119, Fremont, CA, 94539
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  • Marvel Realty
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  • Marvel Realty is a boutique full-service real estate company specializing in homes in the San Francisco Bay Area and the Los Angeles Metropolitan Area. Our number one focus is on representing our clients, combining our intimate understanding of these markets with a client-oriented experience.

  • Horizon Financial Associates
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  • Horizon Financial Associates has been dedicated to treating our clients like family – with the utmost attention to detail and customer satisfaction. We are pleased to be your comprehensive source for all of your home financing needs – from a first home, to investment property, construction loans, cash out refinances and reverse mortgages.

  • C&R Premier Funding
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  • Icon Real Estate and Loans, Inc.
  • 194 Francisco Lane, Suite 108, Fremont, CA, 94539
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  • Affordable Home Finance
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  • Affordable Home Finance is the California's First Choice for Mortgage Loans - As a Mortgage Broker we shop the Nations Top Lenders For You! We are committed to providing our clients with the best mortgage experience possible. As a cloud-based company, and a low-price market leader, we are uniquely equipped for the new normal we now face.

  • Mission City FCU
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  • The Loan Story
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  • I have been in the mortgage brokerage industry since 1997. By working with my clients' very best interest at the heart of everything I do, I earn their trust. At my office, they call me the diligent one. I am committed to helping all my clients apply, qualify, and be approved for the home loans that they seek and deserve.

  • The Loan Story
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  • We aim to make home financing as simple & pain-free as possible. Whether you are buying your first home, refinancing existing properties, or building investment portfolio, our loan advisors will help you figure out how much you can afford & the perfect mortgage program, either residential or commercial. Tell us your stories, we will do the rest.

  • Michael Ryan & Associates
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    Employee's benefit from access to quality information. Market knowledge, market driver's and dynamics. Straight answers to all types of questions relating to home mortgages, home ownership, grpwth through real estate and scaling back, as your life dictates."

  • Lone Tree Funding & Mortgage
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    Catharine Dombrowski is the Mortgage Broker, who is also a CPA (Certified Public Accountant). Catharine founded Lone Tree Funding & Mortgage in 2002