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.
Details for 2026 Loan Limits and Downpayment Requirements in Highlands, County of Harris, 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 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.
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.
3636 Birch St, Suite 2604000 MacArthur Blvd, 7th Floor, Newport Beach, CA, 92660
Our MISSION is to provide our partners with the support and industry knowledge that deliver valuable solutions, cultivating financial success. Our VISION is to continue serving the mortgage community with straight-forward, resourceful customer and operational service that deliver answers and results to our partners empowering.
1101 Dove Street, Suite 228, Newport Beach, CA, 92660
Realty World Inc.® offers top-notch real estate services and is a global leader in the industry. A trusted name in residential and commercial listings, the Realty World name opens the doors for its agents to close the deals. We have been helping individuals and families achieve their home buying and selling goals for over 40 years.
5000 Birch St, Suite 3000, Newport Beach, CA, 92660
Mortgage Direct Financial is a customer centric company that loves what we do. We want to make sure we provide you with the lowest rate loan that accomplishes your goals in the shortest amount of time.
Our goal at Mortgage Direct Financial is to get to know what you and your family's needs are to serve you the best way that we can.
3400 Irvine Blvd, Suite 107, Newport Beach, CA, 92660
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
20151 SW Birch St, Suite 230, Newport Beach, CA, 92660
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.
Loanry® is an Interactive Platform & the consumer facing brand. The backend of Loanry is powered by the company’s lead generation platform that connects lenders with consumers looking for personal loans, business loans, & mortgages among other types of loans. Consumers can even shop Loanry's money tools to compare real-time rates
3636 Birch St, Suite 260, Newport Beach, CA, 92660
Spectrum Family of Companies, LLC dba Spectrum Commercial Lending (Spectrum) was started in 2006, formed originally with various partners combining experience from non-profit side of SBA, the brokerage community and banking industry. All partners had experience with SBA loans and they formed Spectrum to provide
1001 Dove Street, Suite 100, Newport Beach, CA, 92660
Prime Pacific Financial is a successful mortgage brokerage firm. Our offices located in Newport Beach support our staff and are designed to fulfill the needs of our customers with convenience, ambiance and professionalism. Prime Pacific Financial was created around a processing, packaging and customer relationship concept.
4590 MacArthur Blvd, 5th Floor, Newport Beach, CA, 92660
We believe that what’s good for our customer is good for us, too. We are allies for our customers advocating for sensible laws and stronger accountability. Integrity filters all of our decisions. When we act in integrity, we build trust by always making the right choice, regardless of circumstance.
