USDA and FHA Pro and Con 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?



  • Community Investment Corporation
  • 222 S. Riverside Plaza, Suite 380, Chicago, IL, 60606
  • COMMUNITY INVESTMENT CORPORATION, Chicago's Multifamily Rehab Lender, is a nonprofit providing mortgage financing to buy and rehab apartment buildings with five units or more in the 6-county metropolitan Chicago area. Since 1999 over 14, 000 landlords and managers have completed CIC property management training to help them better market, manage.
  • JP Financial Group Inc
  • 7601 West Montrose Avenue, Suite 1, Norridge, IL, 60706
  • JP Financial Group provide high quality service and a great experience. Customers can expect to be served with honesty, integrity and most importantly, competence. JP Financial Group, Inc. is a seasoned and professional mortgage broker company, which specializes in residential housing as well as commercial properties.
  • Aspire Capital, Inc
  • 155 North Wacker Drive, Suite 1600, Chicago, IL, 60606
  • Aspire Capital Fund, LLC is a private, long-only investment fund focused on making investments in US publicly traded biotechnology companies through the open market as well as direct investments including private placements, PIPEs, registered directs & public offerings.Founded 2010 Aspire Capital Fund, LLC is managed by Aspire Capital Partners, LLC
  • Renovo Financial
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  • Founded in 2011, Renovo is the premier provider of financial and strategic support for real estate investors and property rehabbers who invest in and rehab single-family and small multi-family properties. Renovo powers the growth of its customers’ businesses and the communities they serve by providing timely capital, responsive customer service, an
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  • 4800 North Harlem Avenue, Harwood Heights, IL, 60656
  • Parkway Bank and Trust Co. is a locally owned and operated financial institution offering a wide array of financial products and services. Committed to growth and consistently offering the best in customer service, Parkway Bank and Trust Co. continues to be a community leader in banking.
  • Lender 4 You Limited
  • 5201 N Harlem Ave, Chicago, IL, 60656
  • 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 in the loan approved closing process
  • Destiny Mortgage Group, Inc
  • 5440 N. Cumberland Avenue, Suite A-102, Chicago, IL, 60656
  • Destiny Mortgage Group is a full service wholesale mortgage brokerage company, with several offices located across the country, and with loan originating licenses in Illinois, Maryland, Virginia, Florida, Pennsylvania, Delaware, and Washington D.C. Our main objective is to help borrowers obtain residential real estate mortgage financing.
  • Selfreliance Federal Credit Union
  • 2332 West Chicago Avenue, Chicago, IL, 60622
  • Selfreliance Federal Credit Union is a financial cooperative composed of members of a common background and bond. It exists for their benefit. It must provide varied types of financial services at highest professional levels and create a caring environment for its members. It must foster the ideals of cooperation, promote ethnic strength,