USDA VS FHA in Freeport, Brazoria County, TX

As of 2026, the USDA loan limit for Freeport, in Brazoria, TX is set at $336,500. Comparatively, the FHA limit for a single-family home is $472,030.

Leverage Lendersa® USDA loan calculator to assess current USDA versus FHA rates, and determine the required income, credit score, reserves, and documentation to qualify. Our cutting-edge mortgage calculator displays comparisons among USDA, FHA, Conforming, and VA loans, aiding in selecting the best program in for your financial scenario.

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Loan Limits and Down Payment Requirements for 2026 in Freeport, Brazoria, TX

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

Exploring USDA and FHA Loan Options in Freeport, TX

Lendersa® aims to quickly secure the best USDA or FHA loan for you with ease. Begin with any of three starting options aligning lenders with appropriate USDA programs.

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Understanding the USDA Loan in TX

A USDA home loan is backed by the U.S. Department of Agriculture, known also as a USDA rural development loan or mortgage, and is only available in rural areas. FHA loans require a minimum down payment of 3.5%, unlike the USDA loan which requires none.

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



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