USDA Loan Vs. FHA loan for Highlands, TX 2026

As of 2026, the USDA loan cap in Highlands, which is in the county of Harris, TX, is $336,500. In comparison, the FHA limit for a single-family residence stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's most competitive USDA versus FHA rates. Determine the necessary income, credit rating, reserves, and documentation for qualification. Our advanced mortgage calculator lets you assess USDA, FHA, Conforming, and VA loans side by side to discover the program in that most suits your financial situation.

Exploring USDA and FHA Loan Options in Highlands, TX

The aim of Lendersa® is to promptly secure the most suitable USDA or FHA loan for you with minimal hassle. Select one of three approaches that connect you with lenders and available USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding What a USDA Loan Entails in TX

The USDA home loan is a type of loan guaranteed by the government's Department of Agriculture, often known as the USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages demand no down payment, providing an easier pathway for buyers in designated rural regions.

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Highlands Lenders
(281) 422-6884 Lender's profile and map Star Loans of Texas 3019 North Main Street, Baytown, TX, 77521 Lends in Texas Star Loans was founded with an emphasis on providing superior customer service to our local communities to each and every person, each and every day. This continued emphasis allows us to create positive business relationships with our community. Each of our branches are managed by local individuals that understand their communities.
(281) 425-6967 Lender's profile and map American Federal Residential Mortgage 407 W. Baker, Suite S, Baytown, TX, 77521 Lends in Texas LET ONE OF OUR PROFESSIONAL MORTGAGE CONSULTANTS BUILD A MORTGAGE LOAN ESPECIALLY FOR YOU. NEW HOMES AND RESALE HOMES SECOND HOMES AND VACATION HOMES ETC.. CALL OR COME BY OUR OFFICE FOR A FREE PRE -QUALIFICATION FOR A MORTGAGE LOAN BEFORE YOU SHOP FOR A NEW OR USED HOME. WE WILL FURNISH YOU WITH A PRE-APPROVAL LETTER AT NO CHARGE.
(281) 425-8333 Lender's profile and map Amegy Mortgage 1300 Rollingbrook, Baytown, TX, 77521 Lends in Texas At Amegy, we strive to create a great place to work that reflects the communities we serve, where everyone counts, differences are valued and respected, and all employees are encouraged to contribute to business objectives. We are pleased to share with the communities we serve a summary of our organizational reflection.
(281) 628-7790 Lender's profile and map Sentinel Mortgage Corporation 7232 Eastpoint Blvd, Baytown, TX, 77521 Lends in Texas Sentinel Mortgage is a Texas company that prides itself on getting YOU the best deal. We also understand that clients and realtors expect clear communication and availability in order to navigate the ever-changing mortgage waters. So don't waste time with a Big Bank that will take 2 months to close you and charge you handsomely for the privilege
(713) 844-1100 Lender's profile and map Shell FCU 301 E 13th Street, Deer Park, TX, 77536 Lends in Texas 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.
(281) 479-6651 Lender's profile and map Lubrizol Employees' Credit Union 205 Center Street, Deer Park, TX, 77536 Lends in Texas 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
(281) 479-3344 Lender's profile and map City of Deer Park Federal Credit Union 2005 Center Street, Deer Park, TX, 77536 Lends in Texas 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.
(713) 674-5778 Lender's profile and map United Community Credit Union 13700 E Sam Houston Parkway N, Houston, TX, 77044 Lends in Texas United Community Credit Union has been open since 1950. The credit union has assets totaling $123.53 Million and provides banking services to more than 13, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans
(281) 385-5511 Lender's profile and map Guarantee Mortgage, LLC 2770 North FM565 Road, Mont Belvieu, TX, 77523 Lends in Texas Guarantee Mortgage is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.