USDA Vs. FHA Pro and Con 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.
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Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments
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In 1963 Independence Federal Credit Union was chartered by the Independence Postal Workers to serve any Federal employee that worked in Independence. Over the years we have extended the membership to include the following: Civilian employees and military personnel who work at or are attached to the Lake City Ammunition plant
Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
V.P. Clarence Company is the oldest and largest privately-held full service commercial mortgage banking firm serving its clients in West Texas and New Mexico. V.P. Clarence Company is proud of its long history representing many of the most successful and respected developers and commercial property owners in the region.
Kell Capital, LLC, is an asset-based private lending company based in downtown El Paso, Texas. Since 2011, our funding has helped to improve communities throughout Texas and Hawai'i by bettering the real estate landscape, helping to improve the viability of business owners furthering the progress and success of real estate investors.
Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
Green Street Mortgage Lenders, where we specialize in residential mortgages. At Green Street Mortgage Lenders, 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.
BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
