USDA Vs. FHA your options comparison in Katy, Harris County, TX
In the year 2025, the USDA loan limit specified for a single-family home in Katy, within the county of Harris, TX, is set at $336,500. Meanwhile, the FHA loan limit stands at $472,030 for the same type of property.
To effectively compare the leading USDA and FHA rates available today, make use of the Lendersa® USDA loan calculator. With this tool, assess the necessary income levels, credit standards, reserves, and documentation needed to qualify for these types of loans. Our cutting-edge mortgage calculator also allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you in discerning the most suitable program for your financial situation in .
Current Loan Limits and Down Payment Requirements for 2025 in Katy, County of Harris, TX
Type of Loan
Maximum Loan Limit
Down Payment Requirement
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Katy, TX
Lendersa® aims to connect you with the most favorable USDA or FHA loan solutions quickly and without any hassle. Start by choosing one of the three pathways that lead to lenders offering USDA loan programs tailored to your needs.
The USDA home loan is a distinctive type of loan guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. These loans are exclusively available for residences in rural areas. One significant advantage of USDA loans over FHA loans is that the former requires no down payment, whereas FHA loans necessitate a minimum down payment of 3.5%, making USDA loans an appealing option for qualifying homebuyers in rural settings.
Furthermore, USDA loans offer additional benefits such as potentially lower interest rates and reduced mortgage insurance costs, which contribute to making home ownership more accessible and affordable for people looking for homes in rural communities.
Red Crown Federal Credit Union received its charter on February 8, 1938, from the Farm Credit Administration under the Federal Credit Union Act. The original ten subscribers applied for an association charter to serve “All employees of the Stanolind Oil & Gas Company in the general office, laboratory, and warehouse, residing in Tulsa, Oklahoma.
Raystar Mortgage LLC 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 mortgage loan
The Bank of Richton closed in 1930 and a new bank was organized that year with E.M. Gavin as President and T.W. Milner as vice president. This was the first organization of the Richton Bank and Trust Company. However in 1932 the Richton Bank and Trust Company was reorganized with B. M. Stevens appointed President, C.S. Bentley as Vice President.
Tower Loan opens and experiences prosperity and growth. The consumer finance industry was in its infancy.After World War II, Tower sold its offices to various employees within the company. The Jackson, Mississippi, South State Street Office of the original Tower group was purchased by Ed and Kate Clark.
Our company was founded in Owasso, Oklahoma as a way to assist friends, neighbors, and the community to own affordable homes without sacrificing quality craftsmanship, energy-efficiency, or aesthetics. Our Oklahoma roots and values are reflected in all aspects of our company, including in the products we offer, our choice of vendors.
Bozarth Home Mortgage. We are a full-service mortgage company based in GUTHRIE, OK and TEXAS. We specialize in FHA, Conventional, Manufactured, USDA and VA Mortgages throughout Oklahoma and Texas. Whether you are buying a home or refinancing in either state, we can help you realize your dream of home ownership.
Our team believes in a tailored approach, ensuring each client gets a solution that fits just right. We're not just lenders; we're problem solvers, specializing in navigating credit challenges and always finding a path to 'yes'. Our unwavering commitment guarantees timely closings with highly competitive rates. With us, you're not merely securing a
Scissortail Financial and Greg Freeman provided one of the best home buying experiences a family could have. We were pretty specific with what we were looking for with little knowledge of how to find it. We set up a meeting with Greg as our first step to buying our home with every intention.
At Advantage One Mortgage, where we specialize in residential mortgages. At Advantage One 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.
Established in 1934, TTCU Federal Credit Union is a $2.1 billion financial institution with a full complement of depository, lending and financial advisory services.TTCU is the second-largest credit union in Oklahoma with 18 branch locations. You may be one of over almost a million people in Oklahoma eligible to join TTCU.
