USDA and FHA Pro and Con in College-Station, Brazos County, TX
For 2026, the USDA loan limit in College-Station, located within Brazos County, TX, is $285,000, whereas the FHA limit for a single-family residence is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today, and determine the necessary income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA programs side by side, helping you decide which option best fits your financial situation in .
2026 Loan Limits and Downpayment Requirements in College-Station, Brazos County, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in College-Station, TX
Lendersa® is dedicated to providing you with the most suitable USDA or FHA loan quickly and without hassle. Select from three starting paths to get matched with compatible lenders and USDA loan programs.
A USDA home loan is guaranteed by the government and issued by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.
Guarantee Mortgage Company, College Station, Texas mortgage lender. What’s the difference between us and big banks? We shop around between different lenders to find you lower rates and more loan options to get you into your home faster. Call us today. Don’t settle for the one or two loan products banks offer.
750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
Lends in Texas
1st Alliance Mortgage is not like other mortgage providers. For us, it’s not just about products and price. It’s about service. Service to our customers and our community. Whether you’re buying your first home or refinancing, 1st Alliance Mortgage is your calm, clear and experienced guide through the mortgage process.
750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
Lends in Texas
At 1st Alliance Mortgage we have the expertise and experience to get you the right mortgage, and to handle your transaction professionally. With our experience, and our rates and programs, you are sure to get the mortgage that is right for you. Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage.
In 1961, ten employees from the United State Post Office and the United States Department of Agriculture each made an investment to purchase a share of ownership in the newly chartered credit union called Brazos County Federal Employees Credit Union. This credit union was established by its members to serve the federal employees from USPS, USDA.
Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses. We are a proud member of the nationwide Farm Credit System which provides financing to meet the needs of rural America.
We are proud to be invested in a community, invested in us! As your local community bank, we work hard to provide products and services that help our community thrive. As your trusted local bank, we are committed to giving back. For over 95 years, CSB has been dedicated to providing the best hometown financial support serving three counties
The Chappell Hill Bank was chartered in 1907 and has operated continuously in the same location in Washington County since its inception. The Bank was originally chartered as Farmers State Bank on September 1907. In 1989 the Articles of Association were officially amended to change the name from Farmers State Bank to Chappell Hill Bank.
First State Bank of Bedias is an independent community bank serving Grimes County, Texas and surrounding counties. First State Bank of Bedias proudly celebrated 110 years of continuous operation during 2017 and remains one of the few locally owned and managed financial institutions in the area.
Germania Credit Union’s vision is to serve its members’ needs through an evolving innovative member experience; develop existing relationships while growing within its field of membership; and achieving sustainability through smart growth. Helping members achieve financial success by financing their dreams and helping them save for the future.
