USDA Vs. FHA your options comparison in Galveston, Galveston County, TX

In 2025, the USDA loan limit in Galveston, county of Galveston, TX is $336,500, while for a single-family home, the FHA limit is $472,030.

Employ the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial situation best.

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Loan Limits and Downpayment Requirements for 2025 in Galveston, County of Galveston, 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 Galveston, TX

The aim of Lendersa® is to provide the best possible USDA or FHA loans quickly and without hassle. Choose one of three starting points to connect with lenders and explore USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding What a USDA Loan is in TX

A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, and is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage does not require any down payment.

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



  • Trusted Mortgage Advisors of Texas
  • 3010 LBJ Freeway, Suite 1200, Dallas, TX, 75234
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Nonprofit Mortgage
  • 2665 Villa Creek Drive, Suite 252, Dallas, TX, 75234
  • Nonprofit Mortgage is a new and unique mortgage company. We have a large range of mortgage products for your home purchase or refinance. Nonprofit Mortgage provides down payment assistance to underserved home buyers and those who have experienced a financial setback due to an illness in their household.
  • BEAM MORTGAGE, INC
  • 14455 Webb Chapel Rd, Farmers Branch, TX, 75234
  • "Beam Real Estate & Mortgage is the foremost choice for your residential and commercial property needs. Contact us today! When you're looking to buy a home, you want to know that you're in the best of hands. With more than a decade of experience, we can proudly say we've learned a thing or two about real estate - and that knowledge helps you."
  • Preston Hollow Financial Services Inc
  • 13709 Braemar Drive, Dallas, TX, 75234
  • Preston Hollow Financial Services, Inc. is a full service Mortgage Boutique offering personalized analysis and execution for your purchase, refinance, construction and home equity needs. We facilitate mortgage throughout the great State of Texas and have professional relationships with other title and insurance companies.
  • Alliance Lending
  • 1150 South Freeway, Suite 215, Fort Worth, TX, 76104
  • Alliance Lending Corporation is licensed and regulated by the U.S. Small Business Administration as a Certified Development Company (CDC)and 504 Lender. Originally chartered in 1976 as the Fort Worth Economic Development Corporation, our name change to Alliance Lending became effective in 2005.
  • Longhorn Investments
  • 17103 Preston Road Suite 250, Dallas, TX, 75248
  • Longhorn Investments was formed in 2008 and is a direct private lender offering short term acquisition and renovation capital to real estate investors for both residential and commercial assets. We operate in major metropolitan areas throughout TX, IN, AL, AR, NM, GA, MO, OH, TN, and NC.
  • First Fusion Capital
  • 15915 Coolwood DR, Suite 2055, Suite 2055, Dallas, TX, 75248
  • We’ve over 150 lenders in our p Businesses have access to loans from $10k-$5 Million. With no minimum FICO score and a simple application, you can have funds in your business bank account in as little as 24 hours. “When the Bank says NO, we say YES” https://firstfusioncapitalfunding.com/
  • Prestige Community Credit Union
  • 15203 Knoll Trail, Suite 101, Dallas, TX, 75248
  • Prestige is a member owned, non-profit community based financial co-operative. Our sole purpose is to provide our members with safe, low-cost financial solutions such as loans, savings and checking & also For over 80 years Prestige Community Credit Union has been dedicated to offering our members some of the best savings, checking and loan programs
  • T Bank, National Association
  • 16200 Dallas Pkwy, Suite 190, Dallas, TX, 75248
  • T Bank, National Association We believe in what you do, and we are committed to helping you grow your small business into a lasting establishment. Our seasoned bankers have decades of experience in small business lending and will effectively communicate and guide you to reach your short and long-term goals.
  • Reliant Mortgage Ltd
  • 16950 Dallas Parkway, Suite 105, Dallas, TX, 75248
  • Reliant Mortgage LTD, where we specialize in residential mortgages. At Reliant Mortgage LTD, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.