FHA Vs. USDA loan program for Houston, Harris County, Texas

In 2025, USDA loan limit in Houston, county of Harris, TX is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Houston, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

516-535-0015 1437 miles Lender's profile and map Reviews ACRES Capital 865 Merrick Ave. 2nd Floor S., Westbury, NY, 11590 ACRES fills the considerable capital gap for operators by focusing on commercial real estate investments that are overlooked by traditional lenders. We specialize in short-term debt investments from $10 million to $80 million nationwide, providing a variety of capital solutions to our clients with properties in primary and secondary markets nationw
(516) 916-5350 1437 miles Lender's profile and map Reviews Lufthansa Employee Federal Credit Union 1900 Hempstead Turnpike, Suite 408, East Meadow, NY, 11554 Since 1970 Lufthansa Employee Federal Credit Union has been there for all Lufthansa Group companies delivering financial security and service. We are employee owned and non-profit so whether you are getting a mortgage or loan, or saving for that something special, your Credit Union is here to help. We offer a full range of products and service
(516) 742-4900 1437 miles Lender's profile and map Reviews Nassau Financial Federal Credit Union 2575 Hempstead Turnpike, Suite 300, East Meadow, NY, 11554 We offer a full suite of retail banking products, services and financial solutions for consumers and small businesses. On a monthly basis, our members rate us with high marks for the service we provide to them in meeting their banking needs We encourage you to learn more about our Credit Union and see how we can help improve your financial well-bei
(208) 587-3304 1437 miles Lender's profile and map Reviews Pioneer Federal Credit Union 250 W 3rd S, Mountain Home, ID, 83647 PFCU is a not-for-profit, member-owned and member-operated financial cooperative. Established in 1954, PFCU has grown to move the money forward of more than 43, 000 members. We're dedicated to providing our members with the very best in financial services at competitive rates and terms.
(208) 587-4471 1437 miles Lender's profile and map Reviews Mountain Home Mortgage 797 S Haskett St, Mountain Home, ID, 83647 At Mountain Home Mortgage, we believe that we have a duty to educate and prepare borrowers for the commitment of a mortgage. We know that the home buying process can be stressful and we aim to make our clients feel like special friends as we help them achieve the dream of home ownership.
(914) 762-3372 1437 miles Lender's profile and map Reviews Sing Sing Employees Federal Credit Union 2 Church Street, Suite 204, Ossining, NY, 10562 SSEFCU is a member-owned financial cooperative providing financial banking services to multiple employee groups, but primarily serves select state, and local government employees. Membership is also open to immediate family of current members. We offer banking services like savings, checking, and loan accounts; with great rates and lower fees
(914) 741-2442 1438 miles Lender's profile and map Reviews TMC Equities Inc 29 Marble Avenue, 2nd Floor, Pleasantville, NY, 10570 TMC Equities, Inc. is a local and community oriented mortgage broker. For over 24 years we have been located in Pleasantville, NY. Products are available for every purchase or refinance including less than perfect credit, little down payment, low income. We shop with a variety of banks to pass on better rates than your bank.
(315) 272-2500 1438 miles Lender's profile and map Reviews Adirondack Bank 185 Genesee Street, Utica, NY, 13501 Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender
(888) 853-8922 1438 miles Lender's profile and map Reviews SMB Compass 411 Theodore Fremd Ave, Rye, NY, 10580 SMB Compass is a bespoke business financing company focused on providing financing and education to small businesses across the United States. As banks continue to make it difficult for small businesses to borrow money, we continue to provide cost effective and flexible colutions
(866) 400-3272 1438 miles Lender's profile and map Reviews First Central Savings Bank 70 Glen Street, Glen Cove, NY, 11542 First Central Savings Bank has grown from a simple concept to what we are today: a vibrant, thriving, all-inclusive community bank that hasn’t wavered from its original aim of friendly, personalized service. We are committed to enriching our communities, driving local economic growth, and cultivating lasting relationships.
917-620-5590 1438 miles Lender's profile and map Reviews 360 Capital Funding 777 Westchester Avenue, Suite 101, White Plains, NY, 10604 360 Capital Funding is a privately held direct lender whose principals have over 30 years of experience in real estate lending and investing. Our firm provides acquisition, refinancing, rehab and development loans for ALL property types. We offer quick decisions and flexible terms to meet your financing needs.