USDA VS FHA in Magnolia, Montgomery County, TX

For 2025, the USDA loan limit in Magnolia within Montgomery county, TX, is set at $336,500, while the FHA limit for a single-family home amounts to $472,030.

Utilize the Lendersa® USDA loan calculator to gauge today's most competitive USDA and FHA rates. It helps ascertain the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, aiding you in choosing the best plan for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Magnolia, Montgomery, TX

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

Discover USDA and FHA Loan Options in Magnolia, TX

Lendersa® aims to efficiently connect you with the ideal USDA or FHA loan, quickly and effortlessly. Begin by choosing one of three starting points that facilitate a match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in TX

A USDA home loan, guaranteed 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, mandating a minimum 3.5% down payment, the USDA mortgage does not necessitate any down payment.

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



  • ANG Federal Credit Union
  • 5401 East Lake Blvd, Building 630, Birmingham, AL, 35217
  • ANG Federal Credit Union offers a wide variety of savings and term deposit accounts to help you save and plan for your future. All of our deposit accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), which means that your money is safe!
  • First Bank of the Lake
  • 4558 Osage Beach Parkway, Suite 100, Osage Beach, MO, 65065
  • First Bank of the Lake’s story began in October 1985, when a group of local investors along with a group of St. Louis investors with interest in the lake area founded First Bank Centre in Osage Beach, Missouri. These well-respected and savvy investors recognized the need for a bank whose focus was on the local community.
  • Mortgage Headquarters of Missouri, Inc
  • 4824 Osage Beach Pkwy, Suite 1, Osage Beach, MO, 65065
  • Mortgage Headquarters can do it. FHA, VA, Conventional, Jumbo, Fannie Mae and Freddie Mac -- and countless other ways to help you clear the path to your new home. When looking for a new home, smart consumers first seek pre-approval by one of our mortgage professionals. You'll gain the credibility of a cash buyer.
  • Ford County State Bank
  • 322 N Main St, Spearville, KS, 67876
  • Ford County State Bank succeeded the original Ford County Bank in 1902. The original Ford County Bank was constructed and opened by Asa Soule in 1887, and was in operation through 1897. Asa Soule was the developer of the Soule Canal or the Eureka Irrigation Canal. Ford County State Bank considers it a privilege to have served Spearville.
  • The State Bank of Canton, Canton, Kansas
  • 103 South Main Street, Canton, KS, 67428
  • The philosophy of the State Bank of Canton has not changed since it was founded over 125 years ago. Quality service, community involvement, and overall stability are just as important today as when the bank was incorporated on May 15th, 1895. The State Bank of Canton served the Canton community at 112 N Main for 79 years.
  • NRS Community Development Federal Credit Union
  • 7400 London Ave, Birmingham, AL, 35206
  • Established in 1996, NRS Community Development Federal Credit Union is poised to be the community financial institution of choice for the Birmingham area. Our purpose is to promote thrift, teach wise money management, provide financial products, and assist members in reaching their financial goals.
  • Credit Union of Dodge City
  • 802 W Trail Street, Dodge City, KS, 67801
  • The mission of a credit union is to provide and promote the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with the specific intent of helping members gain some particular measure of personal financial success.
  • Phelps County Bank
  • 718 North Pine Street, Rolla, MO, 65401
  • Phelps County Bank is 100% owned by our employees through an Employee Stock Ownership Plan (ESOP). Our mission is to build relationships with purpose, integrity, and fairness through a commitment to teamwork, education, and growth - believing that contributions of time, talents, and service lead to a better community for all.