USDA Vs. FHA your options comparison in Lubbock, Lubbock County, TX
In 2025, the USDA loan limit for Lubbock, situated in Lubbock County, TX, is set at $336,500, while the FHA limit for a single-family home is $472,030.
The Lendersa® USDA loan calculator can be used to compare today’s leading USDA and FHA rates and identify the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA side by side, assisting you in choosing the best program for your financial situation in .
2025 Loan Limits and Downpayment Requirements in Lubbock, Lubbock County, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Lubbock, TX
The goal of Lendersa® is to provide you with the best USDA or FHA loan quickly and with ease. You can start with one of three initial paths to get matched with suitable lenders and approved USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require none.
1613 Chelsea Road, Suite 325, San Marino, CA, 91108
"iEccentric Realty and Mortgage offers a wide variety of loan programs ranging from the government VA & FHA loans to the conventional fixed program, ARM program, and Jumbo loans. The primary loan programs which we promote are the following:
10, 15, 20, and 30 Year Fixed Programs (We also exclusively offer 8,12, 22, and 27 Fixed Programs)"
2920 Huntington Drive, Suite 100, San Marino, CA, 91108
Emory Financial is a mortgage brokerage business that will take you through every step of the mortgage process. We take the time to understand your needs and goals before selecting the best program for you at the best available rate. Whether you're buying a new home, refinancing, consolidating debt
The credit union was founded in 1936 as Joliet Wireco Credit Union. Over the years, we have developed and have merged with other credit unions to unite as one strong credit union. As of today, New Century FCU has grown to be a credit union providing services to over 4,500 members and totaling assets of more than $50 million dollars.
Fox Valley Credit Union was founded in 1937 as an employer group or single sponsor for employees of the old Chicago, Burlington and Quincy Railroad which is now Burlington Northern-Santa Fe.
FVCU converted the single sponsor credit union to a community charter in 2008 which enabled persons who work or live in Aurora to join.
Aurora Policemen Credit Union (APCU) is a not-for-profit, member owned financial organization. We serve the People that help our communities and their families – people helping people – The credit union philosophy! Our goal is to provide the best available financial services in a personal
Pasadena Federal Credit Union was founded in 1935 by a small group of City of Pasadena employees who wanted a safe, fair place to save and borrow money. Our first "office" was a window in the City Treasurer's office. Although we moved from the tower of Pasadena City Hall in 1980, we remain committed to being the locally-focused financial institutio
Commercial Capital Consulting Group, Inc. has well over 25 years of financial experience in loan consulting and placement. We are at the forefront of this quickly changing economy and we work closely with our clients because we are fully committed to meeting and exceeding expectations.
First National Bank is a community bank committed to serving you better. As one of the oldest and most stable banks in the Indianapolis area, First National Bank has been a staple of the community for more than 100 years.
As a full-service financial institution, we serve both individuals and small businesses alike, with a full range of banking
First Financial was established by educators to exclusively serve the unique financial needs of California’s educational community. It’s a role we take seriously—a mission to which we are just as committed to today as we were in 1933. Additionally, our Board of Directors consists solely of active and retired educators.
Bedford Federal Savings Bank has provided Bedford and Greater Lawrence County with leading-edge deposit and lending opportunities. Additionally, the Bank has been a force for good in the community and its youth through philanthropy and service. Now in its tenth decade, the Bank maintains its commitment to serving the communities of Lawrence County.
We’re a Credit Union, not a bank. We charge fewer fees than banks, in addition to having competitive rates. We operate in 40 southern Indiana and northern Kentucky membership counties. You can be a member, too! Hoosier Hills Credit Union is your community cooperative financial institution, serving Southern Indiana
