USDA and FHA Pro and Con in Houston, Harris County, TX
In 2026, the USDA loan limit for Houston, situated in Harris County, TX, stands at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s premier USDA and FHA rates and determine the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Houston, County of Harris, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Houston, TX
Lendersa® aims to secure the best possible USDA or FHA loan for you quickly and without hassle. Choose one of three approaches to connect with matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment at all.
9683 Tierra Grande St, Suite 102, San Diego, CA, 92126
Integrity Mortgage Group 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
8996 Miramar Road, Suite 230, San Diego, CA, 92126
Our mission is to provide you with the highest quality mortgage and refinancing services. Our loans are tailored to fit your personal needs at some of the most competitive rates in the nation. We are committed to serving the communities where we live and work, helping to providing mortgage solutions and to strengthen communities to improve lives,
9460 Mira Mesa Boulevard, Suite K, San Diego, CA, 92126
JP Real Estate & Mortgage Inc owner of the Jenny Pham is real estate during the crash: buyers couldn't buy and sellers couldn't sell. Equity was a fancy thing and lending was tight. I navigated through the waves of shortsales, foreclosures, and loan mods with emotional sellers and doubting buyers.
7940 Silverton Ave, Suite 101A, San Diego, CA, 92126
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.
Fidelis Mortgage Corporation's mission is to provide you with high quality mortgage and real estate programs that are tailored to fit your unique situation at some of the most competitive rates in the nation. Fidelis is a family owned business since 2007. We have been in the mortgage industry for over 10 years and we are proud
"Socotra Capital is your approachable neighborhood lender with local roots and a national reach. Hard money. That’s all we do, and that’s why we’re the best at it.
We know that the first step toward achieving your real estate dreams is securing the necessary finances, and we are ready to help your dreams come to life.
Prime Security Bank has provided its customers with high quality service since 1925. Since our inception, business and personal customers have appreciated the differences we offer that are not commonly available from the large banks. We know our customers as friends and neighbors. We work for you and make decisions at a local level.
"Our mission is to serve our customers with honesty, integrity and professionalism, while providing guidence for financing of their home loans.
Our goals are to not only provide the best customer service, but provide a variety of home loan options at the lowest interest rates and costs possible."
4542 Ruffner Street, Suite 240, San Diego, CA, 92111
Mortgage Lending Consulting Group Corp (MLCG) has experts available to assist with your mortgage needs. You will benefit from our 29 years of experience, specializing in providing Fannie Mae, FHA and VA insured mortgages. We will personally guide you through the entire process of refinancing your current home loan
7675 Dagget Street, Suite 330, San Diego, CA, 92111
Our Mission is to Providing trusted and knowledgeable commercial real estate financial solutions since 1972. As one of the largest privately held commercial real estate finance companies in the western United States, Pacific Southwest Realty Services (PSRS) has anchored its success by delivering financing that matches your needs.
4617 Ruffner Street, Suite 100, San Diego, CA, 92111
Utopia Management is a full service California property Management Company. We are the largest California property management company managing individual units throughout California, Washington and Nevada. Utopia Management® is relatively unique in that we can handle our client’s entire rental property management needs.
