USDA and FHA Pro and Con in Harker-Heights, Bell County, TX
As of 2025, the USDA loan limit in Harker-Heights, located in Bell county, TX, is $285,000. Meanwhile, for a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates, determining the necessary income, credit, reserves, and documents for eligibility. Our comprehensive mortgage calculator places USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the ideal program in to suit your financial needs.
2025 Loan Limits and Down Payment Requirements in Harker-Heights, County of Bell, 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 Harker-Heights, TX
The purpose of Lendersa® is to provide you with the best possible USDA or FHA loan quickly and without hassle. Begin with one of three starting points to match with lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans, which require a minimum of a 3.5% down payment, the USDA mortgage requires none.
The First National Bank at Paris was established in 1891 as The Bank of Paris by a group of local businessmen who had a deep commitment to the people of Paris and Logan County. At that time, Paris was a bustling community of 600 people. Founded by W.R. Cherry, the bank occupied the first floor.
Gateway Bank's known history began with a bank reorganization on March 7, 1932, as the Bank of Rison, and has remained in business under the same charter ever since. A major fire swept through downtown Rison just before New Year’s eve of 1932. According to the Cleveland County Herald, the fire was described in an issue published January 4, 1933
Founded in 1907 Bank of Cherokee County has served Cherokee County since it was an established entity. BOCC is a bank built on customer service and trust - winning numerous awards for its success as a business and in the community. If you are looking for banks in Tahlequah, look no further than the Bank of Cherokee County
The Cleo State Bank is the oldest Bank in Major County, Oklahoma. It was chartered in 1900 and has been serving individuals and local businesses in Northwest Oklahoma for over 100 years. The Cleo State Bank is locally owned and operated. With over 200 years of combined experience, our team is focused on serving our communities.
The First National Bank is committed to the families and businesses of our communities through tailored financial solutions, service and responsiveness.
Finance your needs backed by the savings you've already established with us. Best of all, your savings remain intact, and incurring interest.
The People's Federal Credit Union was federally chartered on January 12, 1953 and currently has more than 18, 000 members. With five branches located in Amarillo, Childress and Canyon.
The mission of The People's Federal Credit Union is to be the Members' primary financial institution.
Amarillo Postal Employees Credit Union is a full service, non-profit cooperative financial institution that began in 1931. It was formed for the purpose of encouraging savings, by offering a good rate of return, using collective moneys to make loans at competitive, low rates and provide other useful financial services.
Access Community Credit Union has been open since 1953. The credit union has assets totaling $156.27 Million and provides banking services to more than 12, 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.
FirstBank Southwest is a community bank with nine banking center locations in Amarillo, Booker, Hereford, Pampa, and Perryton, Texas. In addition to our convenient branches, we also offer convenient digital banking for both consumer and commercial needs.
In 2020 and 2021, The American Banker awarded FirstBank Southwest as a Best Bank
Our goal is simple. Deliver the best possible Banking experience so our customers & clients can better manage their finances. We provide a full range of quality financial products that include commercial, consumer, investment & trust services in TX, Ok & CO. Our board of directors, local leadership are committed to exceeding customer expectations.
Open Mortgage is not affiliated with any governmental agency. The material shown on this site is for informational purposes only and is not an offer to lend or extend credit. All applications are subject to underwriting approval and guidelines. Not all applicants will qualify for loan products described.
