USDA Vs. FHA your options comparison in Conroe, Montgomery County, TX

In the year 2025, the USDA loan limit for Conroe, located in Montgomery county, TX, is $336,500; meanwhile, for a single-family home, the FHA limit stands at $472,030.

Use the Lendersa® USDA loan calculator to compare USDA and FHA rates today and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you decide which program is best for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Conroe, County of Montgomery, TX

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

USDA and FHA Loan Choices in Conroe, TX

Lendersa® aims to provide the best possible USDA or FHA loan rapidly and without hassle. Choose one of three options to connect with lenders and USDA loan programs.

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Understanding the USDA Loan in TX

The USDA home loan is guaranteed by the government Department of Agriculture, commonly known as a USDA rural development loan. It is available exclusively in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.

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



  • Citizens Bank & Trust Co
  • 102 Main St South, Hutchinson, MN, 55350
  • Citizens Bank and Trust, your hometown bank since 1886. We are proud to provide personal banking, commercial banking, agricultural banking, and mortgage lending to Hutchinson and the surrounding area. As one of the few remaining independent banks, we can provide you with fast and flexible service that is unmatched by others.
  • Calhoun County Bank, Inc.
  • 443 High Street, Grantsville, WV, 26147
  • We were known as The Calhoun County Bank and issued a Certificate of Incorporation by the State of West Virginia on the 14th day of November, 1900. Our humble beginning started with 250 shares of capital stock with a $100.00 par value for an initial capitalization of $25, 000.00. The bank opened for business in January 1901.
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  • 650 N Estrella Pkwy, Suite A6, Goodyear, AZ, 85338
  • Our goal at SunWest Federal Credit Union is to grow as an organization while staying true to our founding mission. Since our doors first opened 83 years ago, we have remained committed to providing exceptional service focused on dedication, integrity, and compassion to help our members grow and thrive.
  • Elite Mortgage Group
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  • 109 Highland Avenue SW, Roanoke, VA, 24016
  • This credit union is a member-owned, democratically operated, not-for-profit organization managed by a board of directors, with the specified mission of meeting the credit & savings needs of consumers, especially persons of modest means. The purpose of this credit union is to promote thrift among its members by affording them an opportunity.
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  • Roanoke Valley Community CU, a member-owned, democratically controlled financial cooperative that exists "Not for Profit, not for Charity, but for Service, " is committed to serve the financial needs of our membership. It is our responsibility to maximize the benefits to our members while maintaining financial stability.
  • Member One Federal Credit Union
  • 202 4th St NE, Roanoke, VA, 24016
  • Member One Federal Credit Union is a full-service, member-owned financial institution serving the needs of its communities for more than 80 years. Member One is headquartered in Roanoke, VA and serves over 120, 000 members, is more than $1 billion in assets, operates 15 branch facilities.
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  • 5300 Hyland Greens Drive, Bloomington, MN, 55437
  • SharePoint is committed to serving the financial needs of its members through quality financial products & a strong community presence. SharePoint is leading the way in service & products for our members. We strive to give our members the service they deserve, while enhancing their financial well-being. Our personal service, competitive rates.
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  • At United Banker's Bank, “First for Your Success” is more than just our tagline; it's a promise and a guiding principle that establishes the success of each and every customer as our number one priority. UBB pioneered the bankers' bank model and for more than 45 years we have placed the needs and success of our community bank customers