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.
Right Now Mortgage, where we specialize in residential mortgages. At Right Now Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
20333 State Hwy 249, Suite 100, Houston, TX, 77070
Lends in Texas
Chasewood Bank has been recognized as one of the safest U.S. banks according to MSN and given a 5 star rating by Bauer Financial, Inc, indicating we are also one of the strongest banks in the U.S. While we are proud of such recognition, our number one goal is to stay true to the title of community bank.
118 Vintage Park Boulevard, Suite W700, Houston, TX, 77070
Lends in Texas
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.
118 Vintage Park Boulevard, Suite WV162, Houston, TX, 77070
Lends in Texas
We founded Sequoia Mortgage with the core belief that we can provide a better and more personalized experience to every customer we are privileged to serve. Providing that intangible something that takes average to amazing is what drives us. These aren't just words to us, they are the force behind everything we do to help our customers.
Vintage home loan LLC mission is to deliver the traditional values of extreme competence and excellent customer service through the entire loan experience and also offer the same traditional mortgage lending options as our competition, but we have leapt into the future of mortgage lending by offering non traditional mortgages as well.
Next Step Home Loans, LLC is a mortgage broker headquartered in Houston but we can offer our programs and mortgage services throughout the entire State of Texas. We are a preferred mortgage broker for some of the top mortgage wholesale lenders in the country and we use that preferred status to offer our clients.
Win-Win Capital Funding offers flexible financing across all property types. We specialize in fix & flip (up to 100% leverage), 80% LTV commercial, business purpose value add bridge all property types, no seasoning DSCR, 90% LTC ground-up, Land, CMBS, HUD, Agency, 1st/2nds. Fast closings for investors and developers in most states nationwide. Churches, ALF, gas stations, owner occupied. Single digit bridge and perm options across the board, satisfaction guaranteed!
16310 Tomball Parkway, Suite 404, Houston, TX, 77064
Lends in Texas
Our priority is that our customers have a great buying or refinancing experience and our mortgage experts will be there to help and guide you every step of the way. We are home loan experts dedicated to making sure your home purchase or refinance experience is an exciting and memorable experience.
We have been in the real estate/mortgage industry for 33 years. I can help direct you on the best plan for you with your current financial status mixed with your future plans. We offer different financial solutions and sometimes can even help you if you were turned down from a different company. Don't go home shopping without knowing.
