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

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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2025 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?



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  • Midstates Bank, National Association
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  • First National Bank and Trust Company
  • 2 Kelli Court, Clinton, IL, 61727
  • First National Bank and Trust Company provides generations of customers with personalized banking experiences at every opportunity. Through lifelong learning, exceptional service and the use of technology; we offer our community secure banking options with profitable growth. Member FDIC.
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  • Dewitt Savings Bank is a community bank, which provides residential mortgage loans & auto loans. We pride ourselves on customer service. Our loan officers can help you through the loan process. We have two branches located in Clinton Illinois & Moweaqua Illinois. We seek to provide high quality customer service for our depositors & loan customers.
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  • Omaha Federal Credit Union opened for business April 1, 1935, to serve the financial needs of the Omaha community. Membership is open to anyone living or working in Douglas, Sarpy or Washington counties in Nebraska and Pottawattamie County in Iowa. Omaha FCU offers a full range of financial services, including mobile
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  • U.P. Connection Federal Credit Union offers a complete range of banking services. We are locally-owned and our staff prides itself on getting to know our members and providing exceptionally friendly service when you call or walk through the door.Credit Union offers a complete range of banking services. We are locally-owned
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  • CORE Credit Union
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