USDA Vs. FHA your options comparison in Nacogdoches, Nacogdoches County, TX
As of 2026, the USDA loan limit in Nacogdoches, within Nacogdoches county, TX, stands at $336,500. Meanwhile, the FHA maximum for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, determining the required income, credit, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program in suited to your financial situation.
2026 Loan Limits and Downpayment Requirements in Nacogdoches, County of Nacogdoches, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Nacogdoches, TX
Lendersa®'s purpose is to swiftly secure you the best USDA or FHA loan without hassle. Start with one of three options to connect with lenders and discover USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is only offered in rural areas. Unlike FHA loans, which require a minimum of a 3.5% down payment, the USDA mortgage involves no down payment.
Doches Credit Union is Nacogdoches’ only hometown not-for-profit financial cooperative that provides a full range of financial products and services to Nacogdoches, Shelby, San Augustine and Sabine Counties.
The credit union was chartered on November 7th, 1951 with an original field of membership.
"Today, we stand as one of the last remaining community banks in East Texas, and our commitment to you has only grown stronger. Every product and service we offer is designed with your best interest in mind. From providing you with the latest financial products and tools to offering you the know-how advice to help you grow, we do it all for you.
On September 9, 1963, Southland Federal Credit Union’s charter was approved by NCUA (National Credit Union Administration). Starting with only seven members and working out of a house, the credit union started providing financial services to workers and family members of the Southland Paper Mill in Lufkin, Texas.
Lufkin Federal Credit Union is a full service, not for profit financial institution formed in 1964. The original name of the credit union was LFM Federal Credit Union, formed to serve employees of Lufkin Foundry & Machine Company (later became Lufkin Industries, Inc.) and their family members.
Angelina Federal Employees Credit Union has been open since 1952. The credit union has assets totaling $38.3 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings loans.
Angelina Savings Bank, Ssb is a branch office of Angelina Savings Bank, Ssb. They provide the following services: Full Service Office Location and are located at 1721 Tulane Drive in Lufkin Texas. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
The credit union was started in 1954 by a small group of teachers from Lufkin ISD. Mr. Pop Ward and Miss Zelma Cook were instrumental in the beginning.
The credit union is a state chartered credit union and answers to the Texas Credit Union Department. Savings are insured by the National Credit Union Association up to $250, 000.00.
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Temple-Inland FCU Any full time employee or retired employee of Georgia Pacific is eligible for membership. Employees of Atlas, Katherine Sage Day Care, Diboll ISD, Crown Colony, the City of Diboll, the Correctional Center, Security & Guaranty, and Ronson may also join. If you have an account your family members.
