For 2025, 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
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| Loan Category | Limit Amount | Initial Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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?
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