USDA Vs. FHA Pro and Con comparison in Liberty, Liberty County, TX
In 2026, 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.
2026 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.
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.
Liberty County Teachers Federal Credit Union is a full-service, not-for-profit financial cooperative. It was formed for the purpose of encouraging savings by offering a good rate of return on savings and investments, using collective moneys to make loans at competitive, low rates and providing other useful financial resources.
It all started for us in March 1949 when we were chartered as DuPont La Porte Federal Credit Union. By 2005, we were officially Beacon Federal Credit Union. But what has never changed is our commitment to providing courteous, efficient and sound financial services for our members, now and into the future.
Community Resource Credit Originally formed by a group of Humble Oil Employees in 1935, CRCU is the oldest local financial institution in the Baytown, Crosby and Atascocita area. Presently, CRCU is open for membership to anyone who lives or works in Liberty, or Chambers County or within the Goose Creek.
Star Loans was founded with an emphasis on providing superior customer service to our local communities to each and every person, each and every day. This continued emphasis allows us to create positive business relationships with our community. Each of our branches are managed by local individuals that understand their communities.
LET ONE OF OUR PROFESSIONAL MORTGAGE CONSULTANTS BUILD A MORTGAGE LOAN ESPECIALLY FOR YOU.
NEW HOMES AND RESALE HOMES SECOND HOMES AND VACATION HOMES ETC..
CALL OR COME BY OUR OFFICE FOR A FREE PRE -QUALIFICATION FOR A MORTGAGE LOAN BEFORE YOU SHOP FOR A NEW OR USED HOME. WE WILL FURNISH YOU WITH A PRE-APPROVAL LETTER AT NO CHARGE.
At Amegy, we strive to create a great place to work that reflects the communities we serve, where everyone counts, differences are valued and respected, and all employees are encouraged to contribute to business objectives. We are pleased to share with the communities we serve a summary of our organizational reflection.
Sentinel Mortgage is a Texas company that prides itself on getting YOU the best deal. We also understand that clients and realtors expect clear communication and availability in order to navigate the ever-changing mortgage waters. So don't waste time with a Big Bank that will take 2 months to close you and charge you handsomely for the privilege
Firehouse Mortgage became a reality for Rachel and Aaron in 2018. They wanted to give their clients a better option for their home mortgage. After gaining valuable knowledge in the mortgage industry, they decided to start their own company. The Clarks treat every client like they are family and ensure they are happy with their home purchase.
18525 West Lake Houston Parkway, Suite 105, Humble, TX, 77346
Lends in Texas
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.
