USDA Loan Vs. FHA loan for Houston, TX [Harris County ]

In 2025, 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 .

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.

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What is a USDA Loan in TX?

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.

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(254) 778-3199 Lender's profile and map Reviews Scott & White Employees Credit Union 2401 South 31st Street, Temple, TX, 76508 Scott & White Employees Credit Union (SWECU) was chartered in 1962 by the employees of Scott & White. The Credit Union is state chartered and regulated by the Texas Credit Union Department. Deposits are federally insured up to $250, 000.00 per account by NCUSIF, which is regulated by the National Credit Union Administration
(254) 773-1604 Lender's profile and map Reviews Texell Credit Union PO Box 983, Temple, TX, 76503 Texell Credit Union is a not-for-profit financial cooperative founded in 1948. With over 130+ employees, Texell serves over 40, 500 members through digital service platforms and nine Central Texas branches. Texell offers a wide range of financial services to its members, and performs competitor research weekly to ensure it
(737) 212-0030 Lender's profile and map Reviews LCRA Credit Union 3505 Montopolis Drive, Austin, TX, 78744 Since its inception in 1940 the Lcra Credit Union has been serving its members in the Austin, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here.
(512) 458-2558 Lender's profile and map Reviews Greater Texas Credit Union 6411 North Lamar Boulevard, Austin, TX, 78758 Greater Texas Credit Union is proud to have been voted a "Top Workplace" every year since 2012. With over 200 employees spread out throughout Texas, our goal is to be a force for good in the communities we serve. To accomplish that goal, we value our employees and invest in them so they can meet the needs of our members.
(512) 339-9812 Lender's profile and map Reviews Government Employee Federal Credit Union 10806 Metric Boulevard, Austin, TX, 78758 GEFCU was formed in 1931 as a financial cooperative to provide a way for its members to save money and obtain loans. We are the oldest credit union in Austin serving not only Travis County but also all of the counties that border Travis County. Over the years, our credit union has expanded beyond its roots of serving postal and federal employees.
(512) 477-9465 Lender's profile and map Reviews Capitol Credit Union 11920 Alterra Parkway, Suite 136, Austin, TX, 78758 Capitol Credit Union (CCU) has been a beacon for members as together we navigated the swings in the economic cycles. Today, our credit union stands even better prepared to serve you in the pursuit of your dreams. For some members, Capitol Credit Union is a source of friendly prompt service from people who know you as a person.
(512) 435-4545 Lender's profile and map Reviews United Heritage Credit Union 12208 N Mopac Expy, Austin, TX, 78758 Headquartered in Austin, Texas, United Heritage CU serves the greater Austin and Tyler areas through twelve branch locations including Manchaca, Slaughter, Georgetown, Lakeway, Kyle and Tyler. Membership is open to anyone that lives, works or attends school within Travis, Williamson, Bastrop, Caldwell, Hays, Smith and Wood county.
(512) 836-5901 Lender's profile and map Reviews Amplify Credit Union 2800 Esperanza Crossing, Building 2, Austin, TX, 78758 Amplify Credit Union combines digital-first financial services with the emphasis on community you expect from your neighborhood credit union 1967 is a member-owned financial cooperative with more than 60, 000 members and almost $1 billion in assets. Our team lives and works in the communities we serve, making us the foremost experts.
(512) 633-4157 Lender's profile and map Reviews 360 LENDING GROUP, LLC 3100 Esperanza Crossing, Suite 6254, Austin, TX, 78758 360 LENDING GROUP LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE
(888) 521-0353 Lender's profile and map Reviews Vsio Lending 1905 Kramer Lane, Ste. B700, Austin, TX, 78758 Visio Financial Services Inc offers unique mortgage loans designed to meet the needs of investors purchasing single-family residences. Since our founding in 2011, we have originated more than 4,500 loans to investors nationwide, assisting investors in the redevelopment of houses into quality, affordable homes.
(800) 441-4428 Lender's profile and map Reviews Celink 101 W Louis Henna Blvd, Suite 310, Austin, TX, 78728 Celink is the nation’s largest independent subservicer of reverse mortgages, licensed to service reverse mortgages in all 50 states, plus the District of Columbia, Puerto Rico and the U.S. Virgin Islands. We are well-positioned, both financially and strategically, to support client growth strategies for decades to come.