USDA Vs. FHA your options comparison in Liberty, Liberty County, TX

In 2025, within Liberty, the USDA loan limit for Liberty county, TX is $336,500, while the FHA limit for a single-family dwelling is $472,030.

Use the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates and identify the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you choose the optimal program available in for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Liberty, Liberty County, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Liberty, TX

Lendersa® aims to efficiently secure for you the most suitable USDA or FHA loan. Select one of three starting points to engage with compatible lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Explaining USDA Loans in TX

A USDA home loan is a mortgage guaranteed by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and it is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment whatsoever.

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



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  • 555 Winderley Place, Suite 300, Maitland, FL, 32751
  • CapSource is a full-service commercial mortgage broker tailored to provide capital resources, investment properties, and full-time real estate coaching to both seasoned and new investors. Our services ensure that our clientele receive industry leading rates and terms customized to your real estate investment needs.
  • Neal Communities Funding
  • 495 N Keller Road, Suite 550B, Maitland, FL, 32751
  • Let Neal Communities Funding, LLC assist you with your dreams of new home ownership with knowledgeable customer service, too. A Loan Consultant will work to pre-qualify you before your purchase agreement to ensure you are comfortable with your personal financing scenario. We have a vast variety of program options available
  • Main Street Mortgage Funding, LLC
  • 529 Versailles Drive, Suite 101, Maitland, FL, 32751
  • At Main Street Mortgage Funding, LLC, 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. Also, the big banks have a limited number of lending options available
  • You Have Mortgage LLC
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  • You Have Realty is the real estate partner of the Under One Roof Team. Whether you are buying or selling, this program offers all the components necessary for a seamless real estate transaction. Attorney Justin Clark and his team of lawyers are available for consultation throughout every real estate transaction.
  • Mattamy Home Funding
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  • At Mattamy Home Funding, we believe home buyers deserve the best financing available. We have helped thousands of home buyers finance their homes in communities throughout the United States. Our mortgage team includes highly motivated and talented individuals. Every employee plays an important role in making a homeowner's financing
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  • 255 South Maitland Avenue, Maitland, FL, 32751
  • At Fidelity Funding, we know that each customer has specific needs such as first time home buyers, move-up buyers, and investors. As a direct lender, we offer a wide variety of loan products to meet this broad range of borrowers needs. We provide financing to FHA, VA, FNMA, FHLMC, USDA, and Construction Perm loans.
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  • 670 N. Orlando Avenue, Suite 101, Maitland, FL, 32751
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  • 110 N. Orlando Ave, Suite 9, Maitland, FL, 32751
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  • Homelife International Mortgage is the choice for all residential and commercial funding needs. Since 2002 HLIM originated and funded thousands of conventional, subprime and private money loans throughout the United States and We pride ourselves on being the most creative mortgage company in our industry.
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  • Strategic Funding, LLC
  • 439 Lake Howell Road, Maitland, FL, 32751
  • "Strategic Funding provide mortgages in Orlando, Winter Park and all of central Florida. Service is our top priority. We will work tirelessly to obtain the lowest cost loan in the least possible time. We pride ourselves on exceeding our customer's expectations in finding the best rates, service and options for a home.
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  • 2200 Lucien Way, Suite 325, Maitland, FL, 32751
  • Absolute Home Mortgage Corporation headquartered in Fairfield, NJ provides quality mortgage banking services to existing homeowners and new home buyers. We're committed to the integrity of our business and providing exceptional lending services to people at every stage of owning a home.