USDA Loan Vs. FHA loan for Mineola, TX 2026

In the year 2026, for Mineola, within the county of Wood, TX, the USDA loan limit is $336,500. Conversely, the FHA loan limit is $472,030 when considering a single-family home.

Leverage the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates. This tool helps reveal key factors such as income, credit, asset reserves, and required documents to qualify. Our advanced mortgage calculator displays the USDA, FHA, Conforming, and VA loans side by side, assisting you to decide which option in suits your financial prospects best.

Exploring USDA and FHA Loan Opportunities in Mineola, TX

Lendersa® strives to secure you the best USDA or FHA loan efficiently and straightforwardly. Choose from three starting routes to connect with matching lenders and USDA loan opportunities.

Defining the USDA Loan in TX

A USDA home loan is a government-backed mortgage through the Department of Agriculture, often referred to as a USDA rural development loan or mortgage, and is strictly available in rural communities. While FHA loans require a minimum down payment of 3.5%, USDA loans do not necessitate any down payment.

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Mineola Lenders
(903) 569-2602 Lender's profile and map Mineola Community Bank, S.S.B. 215 West Broad, Mineola, TX, 75773 Lends in Texas We offer a wide range of personal and business services to meet all of your financial needs while providing the personal touch and responsiveness our clients deserve and expect. Talk with us about your individual needs and we will work with you to determine the perfect accounts for you. We sincerely appreciate your business and pledge to work
(903) 882-5626 Lender's profile and map The Texas Loan Company 1507 S. Main St., Lindale, TX, 75771 Lends in Texas The Texas Loan Company is a client-focused mortgage brokerage firm that specializes in providing our clients the best product with the best rate while providing the best service. Give us a call we will fund your home dreams and also Conventional mortgages are ideal for buyers with good credit and money to put down.
(903) 765-2425 Lender's profile and map Alba-Golden Federal Credit Union 140 South Broadway Street, Alba, TX, 75410 Lends in Texas Alba-Golden Federal Credit Union has as its mission, the responsibility for providing an efficient, effective and well managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Alba-Golden Federal Credit Union will continue a sound yet progressive asset management strategy.
(800) 723-7601 Lender's profile and map Commercial Bank of Texas, N.A. 7463 US-69, Alba, TX, 75410 Lends in Texas Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.
(903) 383-2400 Lender's profile and map Yantis Federal Credit Union 110 S Main Street, Yantis, TX, 75497 Lends in Texas Yantis Federal Credit Union is located in Yantis, Texas. The Credit Union was the vision of H.E. Coker and a handful of Yantis residents. Together they generated community interest in the concept of “people helping people.” Yantis Federal Credit Union was granted a Community Charter in August 1955.
(903) 882-4343 Lender's profile and map Keystone Credit Union 11877 County Road 492, Tyler, TX, 75706 Lends in Texas Keystone Credit Union was founded in 1964 by leaders of the Tyler Pipe Industry in an effort to protect their employees from being taken advantage of. That ethos and mission is still true today – we work hard to provide exceptional financial services, education, and solutions to meet the needs of each and every one of our members
(903) 342-5275 Lender's profile and map First National Bank of Winnsboro 315 N Main St, Winnsboro, TX, 75494 Lends in Texas First National Bank of Winnsboro has been continually serving multiple generations of families for over a century! At the 2018 Customer Appreciation BBQ, Texas Bankers Association and The Independent BankersBank presented FNB with a award for celebrating 125 years of banking. Windol Cook, on behalf of TIB, stated.
(903) 833-5861 Lender's profile and map FIRST STATE BANK BEN WHEELER 14269 State Highway 64, Ben Wheeler, TX, 75754 Lends in Texas First State Bank of Ben Wheeler is a true Texas community bank. Locally owned and operated since 1911, our mission is to always have superior customer service. You are not a number to us. You are a person, a family, a business partner, and a part of the future of Van Zandt County. Locally owned means that decisions are made here.
(903) 581-1900 Lender's profile and map Citizens 1st Bank 2001 East South East Loop 323, Tyler, TX, 75701 Lends in Texas Citizens 1st Bank was chartered in Rusk on April 6, 1920. During the past 90+ years, the bank has had only three presidents - B. B. Perkins, E. R. Gregg, and the current President, James I. Perkins. Our current President has served since 1971 providing stability and leadership for the bank.