USDA Vs. FHA your options comparison in La-Porte, Harris County, TX

In 2026, the USDA loan limit in La-Porte, within Harris county, TX, is $285,000. Compared to this, the FHA loan cap for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to examine today’s leading USDA versus FHA rates, establishing the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side to determine the best program in for your financial situation.

Consider loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in La-Porte, County of Harris, TX

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in La-Porte, TX

The objective of Lendersa® is to deliver the optimal USDA or FHA loan swiftly and effortlessly. Choose one of three starting paths to connect with lenders and explore USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in TX

A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires none.

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



  • Genesee Valley Federal Credit Union
  • 4621 Millennium Drive, Geneseo, NY, 14454
  • At Genesee Valley Federal Credit Union, if you live, work, worship, go to school or volunteer in Livingston or Wyoming Counties, you are eligible to become a member. Also, included are member's immediate family- grandparents, parents, step-parents, spouse children (including adopted and step), grandchildren and siblings (step-siblings).

  • Millville Savings and Loan Association
  • 100 Albertson Street, Millville, NJ, 08332
  • In 1941, Millville Savings and Loan Association was formed when five building and loan associations were merged with assets totaling $387,174. The following are the five building and loan associations that merged: Columbia Perpetual Building and Loan, Hope Building and Loan, Institute Building and Loan, Protected Building and Loan, and Security Per

  • Thunder Bolt Area Federal Credit Union
  • 1601 Cedar Street, Millville, NJ, 08332
  • We are a Federal Credit Union Chartered on May 1, 1951 and since that time have been located on the premises of our original sponsor company, Airwork Corporation. Through the years, Airwork was purchased by several different companies until it was acquired by Dallas Airmotive. The credit union has assets totaling $31.66 Million.

  • Phoenixville Federal Bank and Trust
  • 564 Nutt Road, Phoenixville, PA, 19460
  • A financially strong bank headquartered in Phoenixville, Pennsylvania with multiple branches in Chester and Montgomery Counties, Phoenixville Federal Bank & Trust provides a diverse portfolio of personal and business checking, savings and lending products and services, including wealth management and trust services. Phoenixville Federal Bank & Trus

  • Customers Bank
  • 99 Bridge Street, Phoenixville, PA, 19460
  • We are dedicated to providing exceptional value, service & convenience as part of an overall effortless banking experience. Our high-tech, high-touch approach to banking allows us to deliver a superior selection of products and services. We’re a community-based, full-service bank that offers a continually expanding portfolio of loans.

  • Utopia Financial LLC
  • 375 Morgan Street, Suite U, Phoenixville, PA, 19460
  • 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.

  • Philadelphia Mortgage Brokers
  • 1243 Valley Forge Rd, Phoenixville, PA, 19460
  • Philadelphia Mortgage Brokers is an independent & locally owned mortgage brokerage serving the Greater Philadelphia Region. Licensed in PA, NJ, DE & FL. We were founded in February 2018 with the singular focus of providing great service with some of the best rates in the industry.

  • Zero Point Loans Inc.
  • 4440 Twain Avenue, Suite 101, San Diego, CA, 92120
  • Zero Point Loans because we were tired of Big Banks gouging customers. We decided that, if we gave up the idea of having a big building downtown like them, we could cut costs and pass them on to our customers. Maybe you really don’t care – you’re just here for the low rates and fees.

  • BN Federal Credit Union
  • 509 North Merrill Avenue, Suite A, Glendive, MT, 59330
  • The Credit Union is a member-owned financial organization providing the most accessible and competitive financial services to meet the needs of our members, while maintaining long-term stability and growth BN Federal Credit Union's charter of membership includes all employees of:
    Action For Eastern Montana
    Albertson Food and Drug
    and more

  • MDU Employees Federal Credit Union
  • 210 S Merrill Avenue, Glendive, MT, 59330
  • Our mission is simple to provide the best service and most competitive rates for you the member.Services Provided:
    Share Accounts
    Share Certificates (CD's)
    Vehicle Loans
    Recreation Vehicle Loans
    Personal Loans
    Payroll Deduction for Savings Deposits
    Payroll Deduction for Loan Payments