USDA Vs. FHA your options comparison in Cleveland, Liberty County, TX

In 2025, 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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2025 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?



  • Teutopolis State Bank
  • 106 East Main St., Teutopolis, IL, 62467
  • Since our inception on October 4th 1913, Teutopolis State Bank has been a fixture on Main Street in Teutopolis, Illinois. Over the years, we have helped local businesses, individuals, and families develop, grow, and sustain prosperity through our wide range of financial services.
  • Warren-Boynton State Bank
  • 702 West Illinois Street, New Berlin, IL, 62670
  • The mission of the Warren-Boynton State Bank is to serve its customers and communities by remaining a strong and stable community bank focused on providing high quality financial products and personal service and also Warren-Boynton State Bank marked 140 years of service as a locally owned and independent community bank.
  • Pioneer Bank
  • 705 East University Avenue, Suite A, Las Cruces, NM, 88001
  • Pioneer Bank has been proudly serving the financial needs of Southeastern New Mexico and West Texas since 1901. We continue to offer the most innovative banking products along with providing you with the best customer service. At Pioneer Bank, we know there is much more to life than managing your money.
  • Citizens Bank of Las Cruces
  • 505 S. Main Street, Las Cruces, NM, 88001
  • Citizens Bank opened its doors in the historic Amador Hotel & adopted the “El Cortijo” as its symbol. This symbol depicts the sun radiating to neighboring communities surrounding the central area of trade. The Bank’s founders chose the symbol because they viewed the responsibility of the bank as being the heart of the community.
  • White Sands Federal Credit Union
  • 2755 North Main Street, Las Cruces, NM, 88001
  • White Sands Federal Credit Union is a member-owned, not for profit financial cooperative committed to the financial well-being of its members. White Sands Federal Credit Union was chartered in 1952 and has offices in El Paso, Texas, Las Cruces, Truth or Consequences and White Sands Missile Range, New Mexico.
  • Putnam County State Bank
  • 1522 Main Street, Unionville, MO, 63565
  • Mission of Putnam County State Bank is to be a growing & profitable locally owned & directed community bank that provides the benefits of a big city financial institution with the personal service of a small town banking partner. It is our goal to provide unparalleled individual, business & agricultural service by having a friendly, well trained.
  • Farmers State Bank & Trust Company
  • 127-129 W. Main St., Mount Sterling, IL, 62353
  • We are the only locally-owned bank in Brown County, IL. With our focus on community for over 100 years, we have always aimed to provide our customers with the tools you need to thrive. Recognizing that agriculture is the primary industry of Brown County, the policy of Farmers State Bank & Trust Co
  • Brown County State Bank
  • 101 East Main Street, Mount Sterling, IL, 62353
  • Brown County State Bank was founded in Mt. Sterling, Illinois in 1901. In 2006, BCSB expanded to Adams County by joining with Golden State Bank in Golden, Illinois. In 2010, BCSB became part of United Community Bancorp, Inc. and since 2014, now serves customers as United Community Bank throughout Central Illinois and Northeast Missouri.
  • Midland Community Bank
  • 112 Market Street, Kincaid, IL, 62540
  • Midland Community Bank is a full-service community bank serving the residents of Christian and Sangamon Counties. Some of the communities served are Kincaid, Tovey, Bulpitt, Taylorville, Edinburg, Pawnee and Springfield. In 1966, a group of local businessmen and residents began the process to organize a community bank to serve the Midland area
  • Century Bank and Trust
  • 141 South Wayne Street, Milledgeville, GA, 31061
  • Century Bank & Trust has operated as an independent community bank under local control. The Boards of the Bank and Century Bancorp, Inc, remain convinced, unless faced with strong evidence and trends to the contrary, that this direction can continue to offer against other alternatives, higher returns, a superior level of service to our customers.
  • Oconee State Bank
  • 35 North Main Street, Watkinsville, GA, 30677
  • Oconee State Bank is a locally owned and operated Community Bank in Oconee County, offering a competitive line of products and services. Oconee State Bank has 3 full-service branches located in Oconee County, GA. In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated.
  • Remarkable Mortgage
  • 35 North Main Street, Watkinsville, GA, 30677
  • Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.