USDA Vs. FHA Pro and Con comparison in Cloverleaf, Harris County, TX

For 2025, the USDA loan ceiling in Cloverleaf of Harris county, TX, is $336,500, whereas the FHA limit for a single-family home stands at $472,030. These figures reflect the maximum loan amounts available in these categories.

Utilize the Lendersa® USDA loan calculator to evaluate today's best rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our enhanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding your decision on the most suitable program in for your financial circumstances.

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Loan Limits and Down Payment Specifications for 2025 in Cloverleaf, Harris, TX

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

Options for USDA and FHA Loans in Cloverleaf, TX

Lendersa® is committed to getting you the best USDA or FHA loan quickly and effortlessly. Start with one of three approaches to connect you with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

The USDA home loan, backed by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require at least 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?



  • Sauk Mortgage Group LTD
  • 1880 Mackenzie Drive, Suite 107, Columbus, OH, 43220
  • Joe Sauk has been Originating mortgage Loans since 1993. Sauk Mortgage licensed in both Ohio and Florida. Sauk Mortgage Group offers many mortgage programs including Conventional, Jumbo, FHA, and VA loans. Sauk Mortgage Group mission is to serve his customer with honesty, integrity.
  • River Bank
  • 145 North Main Street, Stoddard, WI, 54658
  • River Bank was formed on June 30, 1991 when three banks located along the Mississippi River in Stoddard, Ferryville and DeSoto were merged together. In September 1993, in an effort to better serve our La Crosse customers, a branch office was opened on Mormon Coulee Road. In November 1996, River Bank expanded its service to the Holmen/Onalaska area.
  • Farmers State Bank LaGrange, IN
  • 516 S. Detroit St, Lagrange, IN, 46761
  • Farmers State Bank began it’s tradition of Blue Button Banking way back in 1915 when the Stroh Banking Center opened their doors. We offer the most current products, services, and technology paired with friendly, dependable and trustworthy service to best help our neighbors succeed financially in the communities we serve.
  • First Alliance Credit Union
  • 300 North Main Street, Stewartville, MN, 55976
  • At First Alliance Credit Union, we place our members' (and future members) needs first by providing compassion, guidance, and resources to promote their financial well-being. At First Alliance Credit Union, we want to be the trusted partner of choice for the financial success of our members and the communities we serve.
  • Ohio HealthCare Federal Credit Union
  • 3955 W Dublin Granville Road, Dublin, OH, 43017
  • Ohio HealthCare was chartered in 1973, to serve the financial needs of Riverside Methodist Hospital employees in Columbus. For years, the credit union operated out of a small office in the basement of the hospital. Eventually, RMH evolved into OhioHealth and also incorporated Grant Medical Center.
  • Community Choice Financial Inc
  • 5165 Emerald Pkwy, Dublin, OH, 43017
  • Community Choice Financial Inc.™ is a leading retailer of financial services to unbanked and underbanked consumers through a network of over 500 retail storefronts across 15 states and across more than 20 states via the Internet. CCFI focuses on providing consumers with a wide range of convenient consumer financial products and services.
  • First National Bancorp LLC
  • 6371 Riverside Drive, Suite 1600, Dublin, OH, 43017
  • Our emphasis on people, pricing, process and product, has created a customer experience second to none in the mortgage industry. In many cases we have closed loans in 10 days or less. With First National Bancorp you can do an entire mortgage from application to closing without leaving your family room.
  • Quick App Mortgage LLC
  • 4248 Tuller Rd, Suite 106, Dublin, OH, 43017
  • Quick App Mortgage LLC Based in Dublin, Ohio and with origination experience of over 1000 loans, we know what programs are best suited for our clients. We are familiar with virtually all home loan types from FHA to Conforming and VA to Jumbo.Conventional 1st Time Home Buyer, Fannie Mae – as little as 3% down and more.
  • Stratton Mortgage, LLC
  • 6221 Riverside Dr, Suite 1, Dublin, OH, 43017
  • Stratton Mortgage, LLC full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan.
  • Rasmussen Mortgage Inc.
  • 113 South Main Street, Suite 201, Lodi, WI, 53555
  • Rasmussen Mortgage is a local mortgage brokerage. I have over 16 years experience in the mortgage industry. If you have not looked into what pricing a broker offers you are spending too much with the banks and credit unions. I focus on finding you the best mortgage for your wants and needs while maintaining personalized customer service.