USDA Vs. FHA Pro and Con comparison in Livingston, Polk County, TX
In the year 2026, the USDA loan limit for Livingston, located in Polk county, TX, is set at $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today. Determine the income, credit, reserves, and necessary documents you need to qualify. Our advanced mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA options, helping you to decide the best program in for your financial situation.
Overview of 2026 Loan Limits and Downpayment Requirements in Livingston, Polk County, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Livingston, TX
The objective of Lendersa® is to secure the best USDA or FHA loan quickly and effortlessly. Choose one of three starting paths that lead to matching lenders and USDA loan programs.
A USDA home loan is supported by the government's Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural communities. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage loan demands no down payment at all, providing a significant benefit for eligible borrowers.
We are extremely proud to have had the opportunity to serve our market since 1902. Our team of professionals continues a long-standing commitment to superior customer service. We remain dedicated to providing the most up to date technology, while not wavering from our values of being a strong and healthy community bank.
Advance Capital Funding, LLC, a Texas-based corporation led by Michael Berry, specializes in cutting-edge funding solutions for real estate investors. With expertise in both residential and commercial properties, we excel in expanding real estate investment portfolios. At Advance Capital Funding, we offer flexible, tailored programs ensuring swift
Peoples State Bank is a community bank that has been serving the Lake Livingston Area since 1921. In January 1986 the bank was purchased by AmTex Bancshares, Inc, a bank holding company located in Orange, Texas. Peoples State Bank’s main location is headquartered in Shepherd, with branch location in Coldspring and Livingston.
The Bank of San Jacinto County is a community bank in every sense of the word. Our management and ownership is from here, and lives here. When you open an account or apply for a loan, nothing gets sent off to another corporate office, and chances are, you don’t live far from where your banker lives. We know our customers.
Temple-Inland FCU Any full time employee or retired employee of Georgia Pacific is eligible for membership. Employees of Atlas, Katherine Sage Day Care, Diboll ISD, Crown Colony, the City of Diboll, the Correctional Center, Security & Guaranty, and Ronson may also join. If you have an account your family members.
Citizens State Bank is to be recognized as the uniquely committed conduit for economic and individual growth within the communities served. Citizens State Bank must develop and implement intentional initiatives through economic, social and political relationships that will produce robust and vibrant local economies for the benefit of the whole.
First National Bank of Trinity is proudly working on a second century of service. First National Bank continues to be a locally owned, community bank that offers full service banking with a hometown touch. A strong sense of community is evidenced by First National’s commitment to numerous local organizations in the Trinity, Riverside service areas.
3210 N. Frazier Street, Suite A, Conroe, TX, 77303
Lends in Texas
As a premier lender in Montgomery and Harris County for the past 10 years, we pride ourselves on complete customer satisfaction. If you are looking for a home and/or home mortgage in Houston, Conroe, Lake Conroe, The Woodlands or anywhere in Texas, there are a wide variety of options to choose from.
Angelina Savings Bank, Ssb is a branch office of Angelina Savings Bank, Ssb. They provide the following services: Full Service Office Location and are located at 1721 Tulane Drive in Lufkin Texas. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
