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.

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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?



  • 1st Eagle Mortgage Inc
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  • 1st Eagle Mortgage is a full-service mortgage company, working closely with current and prospective property owners in the Chicagoland area to create tailor-made mortgages to meet their needs. Our focus is on you, the customer. We understand that every customer’s situation is unique.
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  • YS Federal Credit Union
  • 217 Xenia Avenue, Yellow Springs, OH, 45387
  • Since 1948, YSCU has been serving members with the highest quality, easy-access financial services. We provide a complete line of efficient, cost-effective financial services and tools to meet the speed and need of your life. As a not-for-profit cooperative, owned and operated by our members,
  • Indiana Lakes Federal Credit Union
  • 322 South Detroit Street, Warsaw, IN, 46580
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  • Carolina Lending Group, LLC is going to make a commitment to giving back to both our community and other global organizations in an effort to make the world a better place. Our global partnership with Kiva.Org has been in place for many years and we will continue to support these causes via this platform for as little as $25 a loan.
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  • 231 East Main Street, Saint Henry, OH, 45883
  • The St. Henry Bank is a banking company headquartered in St. Henry, Ohio, and has been serving the Mercer County, Ohio, area since its establishment in 1905. The bank provides a variety of banking services, including 24-hour automatic teller machines; Internet banking; personal banking, including checking accounts
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