USDA and FHA Pro and Con in Luling, Caldwell County, TX
In the year 2025, the loan limit set for USDA in Luling, county of Caldwell, TX is $386,400, while for FHA it's $571,550 pertaining to a single-family home.
Employ the Lendersa® USDA loan calculator to juxtapose today's leading USDA against FHA rates and ascertain what is necessary in terms of income, credit, reserves, and documents for qualification. Through our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, guiding you to determine the ideal program suited to your financial scenario in .
Analysis of 2025 Loan Limits and Down Payment Standards in Luling, Caldwell, TX
Type of Loan
Maximum Loan Limit
Down Payment Required
USDA
$386,400
0%
FHA
$571,550
3.5%
Conventional Conforming
$726,200
3%
Investigating USDA and FHA Loan Alternatives in Luling, TX
The objective of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan without difficulty. Pick one of three starting points that connect you with compatible lenders and USDA loan solutions.
A USDA home loan, guaranteed by the federal Department of Agriculture and referred to as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans that require a minimum of a 3.5% down payment, USDA loans do not require any down payment at all.
The Louisiana Mortgage Associates Team is your premier mortgage team located in Lake Charles, Louisiana. Louisiana Mortgage Associates offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Lake Charles area.
Lakeside is committed to working for our community by offering consumers and businesses a banking experience based on long-term relationships, financial experience and our long-standing commitment to Southwest Louisiana. We combine personal service with the latest technology to deliver the most current products and services to our customers.
Alliance Bank has been a strong Banking presence in Northeast Texas since its opening in the late 1920s. Although the name has changed from Sulphur Springs State Bank to Alliance Bank since we first opened our doors, our dedication to providing a high level of customer service has always remained the same.
Beauregard Federal Savings Bank originally opened its doors for business as Beauregard Homestead Association in April of 1948. Our original building was located at 120 Jefferson Street in DeRidder, Louisiana. The original founders included Dr. J.D. Frazar, H.H. Pye, Cecil R. Middleton, Stuart S. Kay, and L.C. Lee.
First Street Federal Credit Union (formerly known as Boise Southern Employees FCU) has been open since 1970. The credit union has assets totaling $50.33 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
FNBD has been serving Southwest Louisiana for over 85 years. With the largest market share of any bank in Beauregard Parish, we are continuing to build upon that foundation of financial stability in Calcasieu Parish & the surrounding areas. FNBD is committed to serving the residents & businesses of SWLA with superior service and professional.
Established in 1906 we have served the needs of our community for over 100 years. You are not simply customers to us; you are our friends and our family. We have strived to excel at bringing you the financial products and technological advancements to meet your needs while retaining our hometown feel.
Texoma Educators Federal Credit Union is a full-service financial institution serving Grayson County, Texas, and Bryan, Marshall and Atoka counties in Oklahoma. We offer membership to the entire Texoma community, wherever you work! As a non-profit, we are focused on competitive rates and convenient services.
Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community.
Cypress Bank officially began operation October 3, 1977. Beginning with capital of $500, 000 and three full time employees. We now post assets of $200, 000, 000 and capital of $21, 500, 000 and employ 75 employees at our five locations. Our growth is reflective of the growth and prosperity of the Northeast Texas region.
4U Credit Union formerly NASCOGA NA (National) S (Supply) CO (Company of) GA (Gainesville) was chartered on May 15, 1956. There were ten charter members who each paid five dollars for a share in the organization. In the beginning, the office of the credit union was in a small corner of the plant itself.
Fannin Bank was organized in November 1921 as the Guaranty State Bank in Windom, Texas. By June 1922 the bank had $158,046 in assets. The name was changed to Fannin Bank in 1976, and in 1987 a branch office was opened in the town of Bonham. The Honey Grove branch opened in 2008 with the headquarters moving to Bonham the same year.
