USDA and FHA Pro and Con in Galena-Park, Harris County, TX
In 2026, the USDA loan cap in Galena-Park, Harris, TX is $285,000, while the FHA limit for a single-family residence is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and determine the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, helping you to decide the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Galena-Park, Harris, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Galena-Park, TX
The goal of Lendersa® is to secure the best USDA or FHA loan efficiently and without hassle. Choose from three starting points to match with the right lenders and USDA programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
Shared Resources Credit Union is committed to serving the needs of our members by providing quality service in a conscientious manner that will develop new business and enhance existing relationships. Our credit union is open to anyone who lives, worships, works, or attends school within a 10-mile radius of any Shared Resources branch.
At Guarantee Loan in Texas and our focus on the financial needs of our customers. Since our founding during the 1930s, we have helped people across the Lone Star State rebuild their credit through installment loans. Our motto is “we succeed when our customers succeed. With many locations across the state of Texas.
Capital home lending are a full-service mortgage brokerage specializing in every area of residential home lending.Our mission is to enrich and empower people's lives through homeownership while providing them with the lowest interest rate and closing costs. and We pledge to deliver our clients and referral partners.
Shell FCU is a member owned and operated cooperative serving Harris County. We offer a wide range of services at no-cost or at lower costs than traditional financial institutions, including more favorable rates on dividends and loans.Anyone who lives, works, worships, attends school, or regularly conducts business.
Lubrizol Employees' Credit Union is proud to be a member-owned, not-for-profit financial cooperative whose sole purpose is to serve its members. Our commitment to our members is consistent with our credit union principles of “Not for Profit, Not for Charity, But for Service” and our philosophy of “People Helping People
The City of Deer Park FCU was established for all current City of Deer Park Employees, Retirees, Volunteer Firefighters/ Paramedics, Elected and/or Appointed City Officials, and the extended family of those members. In 2013, membership was extended to the employees & extended family members of the Deer Park Independent School District as well.
Reed Credit Union has been open since 1935. The credit union has assets totaling $17.23 Million and provides banking services to more than 1, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans and other financial services to members
At Port of Houston Credit Union. Founded in 1956, Port of Houston Credit Union is dedicated to serving the needs of members their families.
Who owns the credit union? You do! When you open your share account, you become a member and shareholder. Membership in a credit union is restricted to select groups and their families.
