USDA Vs. FHA Pro and Con comparison in Humble, Harris County, TX

During 2025, the USDA loan ceiling in Humble, located within Harris county, TX, is $336,500, whereas the FHA cap for a single-family house is $472,030.

The Lendersa® USDA loan calculator helps you compare today's premier USDA and FHA rates, determining the income, credit, reserves, and documentation required for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side-by-side to select the best program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Humble, 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 Choices in Humble, TX

Lendersa® is dedicated to securing the ideal USDA or FHA loans quickly and effortlessly. Initiate your journey with one of three options to align with matching lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

Defining USDA Loans in TX

The USDA home loan, backed by the U.S. Department of Agriculture—also referred to as the USDA rural development loan or USDA mortgage—is exclusively available in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Missouri Central Credit Union
  • 825 NE Deerbrook St Lees, Lees Summit, MO, 64086
  • Missouri Central Credit Union was organized December 28, 1931 as Missouri State Credit Union. The name was changed to Missouri Central Credit Union at a meeting of the membership on November 18, 1960. The credit union moved to Lee’s Summit in September, 1994 and quickly became involved in the thriving Lee’s Summit community.
  • ePrivate Lending
  • 200 NE Missouri Rd, Suite 200, Lees Summit, MO, 64086
  • ePrivate Lending. We are a private lender who provides financing to Real Estate Investors for single and multi-family investment property. What makes us different is we are direct with no middlemen involved. This gives our investors the highest level of service, lowest rates and costs available in private lending
  • Kendall Bank
  • 11225 College Blvd, Suite 150, Overland Park, KS, 66210
  • For more than 120 years, Kendall Bank has been dedicated to helping individuals, families, and businesses achieve their financial goals. Today, we remain committed to providing every customer with an exceptional all-inclusive banking experience that combines big-bank expertise and technology
  • Caffrey & Co LLC
  • 11225 College Blvd, Suite 125, Overland Park, KS, 66210
  • Caffrey & Company LLC is a full service commercial mortgage broker who will work for you to achieve your commercial real estate financing goals. We specialize in commercial real estate loans from $1, 000, 000 and up for acquisition or refinancing of Apartment Building Loans, Shopping Centers Loans, Mixed-use, Office Building Financing etc.
  • FIRST FEDERAL BANK of KANSAS CITY
  • 6900 N. Executive Drive, Kansas City, MO, 66210
  • We are First Federal Bank of Kansas City, and our mission is helping the people and communities we serve build a brighter financial future. That means being the community banking leader in providing customer-focused products, insight and encouragement. It's a purpose bigger than profit. By promoting the power of homeownership
  • Mortgage Enterprises
  • 10955 Lowell, Suite 510, Overland Park, KS, 66210
  • At Mortgage Enterprises. We are a professional mortgage company in Kansas and Missouri specializing in residential mortgages. We find loans that fit the goals of each client. We have highly skilled loan officers who know what it takes to get through underwriting quickly while keeping you informed of your process every step of the way.
  • Himalaya Mortgage
  • 11881 West 112th Street, Overland Park, KS, 66210
  • 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.
  • Kendall Mortgage
  • 11225 College Blvd, Suite 100, Overland Park, KS, 66210
  • At Kendall Mortgage, we make the entire home buying process simple & seamless. Whatever your goals, we provide you with the information, resources, & personal service you need to make your home buying dream a reality. Our mission is to provide unparalleled service to our clients. Our goal is to provide home loans with the lowest interest rates.