USDA Loan Vs. FHA loan for Groves, TX 2026

In 2026, the USDA loan limit in Groves, within Jefferson county, TX, is $336,500, while the FHA limit is $472,030 for a single-family home.

Utilize Lendersa®'s USDA loan calculator today to compare the most favorable USDA and FHA rates and to find out the income, credit, reserves, and documentation required to qualify. With our cutting-edge mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to determine which program in best suits your financial situation.

Explore USDA and FHA Loan Options in Groves, TX

The aim of Lendersa® is to quickly connect you with the ideal USDA or FHA loan without hassle. Select one of three starting strategies that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in TX

The USDA home loan, guaranteed by the government through the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage demands no down payment at all.

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(508) 224-6210 Lender's profile and map Reviews Derby Street Mortgage Inc 10 Ouimet Lane, Plymouth, MA, 02360 Derby Street Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(978) 276-3322 Lender's profile and map Reviews Patriot Mortgage Company Inc. 4 Lowell Road, Suite 11, North Reading, MA, 1864 Patriot Mortgage Company is a family owned company that was established in 1992 to service the states of Massachusetts and New Hampshire. We believe potential home buyers and homeowners were in search of a broker who was willing to provide mortgage products and services suited for their specific individual needs.
(805) 963-7511 Lender's profile and map Reviews Montecito Bank & Trust 1000 State Street, Santa Barbara, CA, 93101 Montecito Bank & Trust is a locally owned community bank founded in 1975 Montecito Bank & Trust is the oldest and largest, locally owned community bank on the Central Coast. As a community bank, it’s our responsibility to support the communities we serve and our associates strive to achieve this every day
(805) 698-1971 Lender's profile and map Reviews Ruth Ann Bowe Real Estate Team 1436 State Street, Santa Barbara, CA, 93101 With over 20 years of experience in the industry, Ruth Ann has repeatedly been a top producer in the South Santa Barbara County region. She has been training & mentoring Realtors for many years & is currently an Instructor of Real Estate at Santa Barbara City College. Our extensive experience & expertise in the Santa Barbara, Montecito, Hope Ranch.
(805) 965-5942 Lender's profile and map Reviews American Riviera Bank 1033 Anacapa Street, Santa Barbara, CA, 93101 American Riviera Bank opened for business on July 18, 2006 in Santa Barbara, CA with the support of approximately 400 local shareholders. The Bank is a full service community bank, focused on serving the lending and deposit needs of businesses & consumers in our community. The Bank has five full-service branches, located downtown in Santa Barbara.
(805) 265-1011 Lender's profile and map Reviews Santa Barbara Commercial Fund 401 Chapala Street, Suite 106, Santa Barbara, CA, 93101 The Santa Barbara Commercial Fund, LLC (“SBCFund”) is a boutique commercial lending fund that bridges the gap between traditional bank financing and private collateral based financing. As the manager of the SBCFund, KJacobsen Capital, LLC (“KJCapital”), brings 50+ years of local commercial banking experience
(805) 899-1390 Lender's profile and map Reviews Paragon Mortgage Group 1215 De la Vina Street, Suite G, Santa Barbara, CA, 93101 Paragon Mortgage Group is a full-service mortgage brokerage firm of experienced professionals committed to integrity & unparalleled customer satisfaction. Paragon's dedicated team is able to assist in every phase of financing your property. We maintain a complete portfolio of major wholesale lending sources as well as smaller boutique mortgage.
(805) 455-2084 Lender's profile and map Reviews The Mortgage Acquisition Corporation 39 E De La Guerra St, Santa Barbara, CA, 93101 TMAC has a unique business approach and one that is of increasing value to borrowers who are unable to qualify now for conventional or NonQM loans. There is no need to turn down many loan requests that come from borrowers with credit issues, need to get funds quickly before a business purpose with a loan secured by a first or junior lien on.
(805) 568-0505 Lender's profile and map Reviews Unison Financial Group 16 West Mission Street, Suite F, Santa Barbara, CA, 93101 Unison Financial Group offers Santa Barbara, CA mortgage programs to fit your budget. For practical and knowledgeable advice and options, At Unison Financial Group we make customer satisfaction our number one priority. We arrange purchase, refinance, and cash out loans on owner and non-owner occupied properties, including second homes.
(805) 403-9679 Lender's profile and map Reviews SB Mortgage Group 1601 Anacapa St, Santa Barbara, CA, 93101 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.
(805) 963-1496 Lender's profile and map Reviews McAdams Financial Services 217 East Anapamu Street, Santa Barbara, CA, 93101 McAdams Financial offers a wide variety of home loan products. Featured programs include fixed rate and adjustable rate mortgages, interest-only loans, jumbo loans and FHA mortgages. We also offer a No Lender Fees option which can reduce your closing costs. We look forward to working with our partners, clients.
(508) 775-4663 Lender's profile and map Reviews Homestead Mortgage, LLC 45 Londonderry Turnpike, Suite 1, Hooksett, NH, 03106 "Homestead Mortgage, LLC is committed to helping you find the right mortgage product for your needs and to exceeding your expectations for outstanding customer service. We understand that every borrower is different, and our clients have access to the widest array of programs and options,"