USDA VS FHA in Nassau-Bay, Harris County, TX

For 2026, the USDA loan cap in Nassau-Bay, Harris, TX is $285,000, while for FHA, it is $356,362 for a single-family home.

Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. This will also help you determine the necessary income, credit score, reserves, and documentation required for qualification. By using our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options simultaneously, aiding you in choosing the best suited program for your financial circumstances in .

Compare loans from 100 different lenders

2026 Loan Limits & Downpayment Requirements in Nassau-Bay, Harris, TX

Loan Category Limit Amount Initial Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Alternatives in Nassau-Bay, TX

Lendersa® aims to secure for you the optimal USDA or FHA loan quickly and with ease. Initiate any of three paths to match with lenders and access USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in TX

The USDA home loan, guaranteed by the USDA or the Department of Agriculture, is otherwise known as the USDA rural development loan or USDA mortgage. It is offered solely in rural sectors. Unlike FHA loans, which require a minimum of a 3.5% down payment, a USDA loan demands no down payment.

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



  • Opportunity Bank of Montana
  • 1400 Prospect Ave, Helena, MT, 59601
  • At our heart we are a Montana community bank. We are part of each community we serve. We volunteer, donate, build, educate, and strive to make our communities stronger. Our mission is to provide strong financial futures for Montanans. Opportunity Bank of Montana opened our doors in Helena, Montana in 1922.

  • Vocal Credit Union
  • 2910 Prospect Ave, Helena, MT, 59601
  • Vocal Credit Union is an established financial institution whose operating principles are guided by our members. Since 1954, we have developed strong relationships with our membership and feel confident offering the full strength of our services to members at all stages of their lives. Our experienced and knowledgeable staff tailor.

  • Intrepid Credit Union
  • 915 Kessler St., Helena, MT, 59601
  • Intrepid Credit Union offers its members the latest in technology as well as a full menu of products — from all types of loans (including mortgage) to 24-hour account information by phone or internet, bill pay, free rewards checking, various savings accounts for all ages, as well as IRAs, Share Certificates, & Mastercard credit cards & debit cards.

  • First New York Federal Credit Union
  • 2 Wall St, Albany, NY, 12205
  • First New York Federal Credit Union, originally Schenectady Teachers Federal Credit Union, was federally chartered in 1937 to serve the teachers of the Schenectady City School district. Today First New York has eight Branch locations and three FNY Express Teller Kiosks, serving over 34, 000 members, and is one of the strongest financial institution

  • CAP COM Federal Credit Union
  • 4 Winners Circle, Albany, NY, 12205
  • CAP COM was first established in 1953 in Albany, N.Y. More than six decades later, CAP COM has grown to more than $2 billion in assets and 12 branch locations. We are member-driven and focused on superior service, convenient products and competitive rates that help our members save money and make life just a little easier

  • Fort Orange Funding
  • 21 Everett Rd. Ext, Albany, NY, 12205
  • Fort Orange Funding, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage.

  • Stockbridge Capital, LLC
  • 1698 Central Avenue, Albany, NY, 12205
  • Stockbridge Capital, LLC has been an industry leader in the acquisition and management of vacant land real estate assets throughout the nation. With a primary focus on portfolios comprised of vacant land loans as well as REO, the firm is also involved in purchasing portfolios secured by mobile homes and land.

  • OwnersChoice Funding
  • 1021 Watervliet Shaker Road, Albany, NY, 12205
  • Over the past 30 years, the mortgage professionals at OwnersChoice have earned a reputation for attention to detail, timeliness, answers, and the ability to deliver financing that fits your life. It’s the kind of excellence and “personal touch” you’d expect from a home lending partner with deep roots in the credit union movement.

  • Empower Mortgage, LLC
  • 1218 Central Avenue, Suite 2, Albany, NY, 12205
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • Homeowners Advantage
  • 4 Winners Circle, Albany, NY, 12205
  • Homeowners Advantage provides affordable home real estate loan options to homebuyers, homeowners, credit unions, real estate professionals, investors and builders in order to make the dream of owning a home a reality. We provide the highest level of integrity, professionalism and customer service in the mortgage industry.

  • CMN Funding
  • 1510 Central Ave Suite 380, Albany, NY, 12205
  • CMN Funding is a financial services company that specializes in the needs of the commercial client. CMN is a full service outlet for many types of commercial financing. Our primary focus is to obtain funding for commercial real estate transactions.

    Our company pledge is to work very hard to find the right home for every deal. CMN has long standi

  • New Era Services, Inc
  • 1340 Sierra Street, Suite 300, Kingsburg, CA, 93631
  • New Era Services Inc. We are a full-service mortgage company based in Kingsburg, CA. We specialize in FHA loans, VA loans, and USDA loans in Kingsburg. We also serve the surrounding cities in Fresno County. Whether you are buying a home or Refinancing in the zip code of 93631, we can help you realize your dream of homeownership or save you money.