USDA Vs. FHA your options comparison in Odessa, Ector County, TX
In the year 2025, the USDA loan limit for Odessa, located in Ector County, TX, is set at $336,500, whereas for a single-family dwelling, the FHA limit is $472,030.
Make use of the Lendersa® USDA loan calculator to assess today's competitive USDA versus FHA rates. It helps you compute the income, credit, reserves, and documentation required for qualification. Our innovative mortgage calculator allows you to compare USDA, FHA, Conforming, and VA programs side by side, facilitating a clear decision on which plan best suits your financial needs in .
2025 Loan Limits and Down Payment Needs in Odessa, Ector, 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 Odessa, TX
The mission of Lendersa® is to expedite the process of acquiring the most advantageous USDA or FHA loan effortlessly. You can choose from three initial strategies that link you with lenders and USDA loan offerings.
A USDA home loan, secured by the U.S. Department of Agriculture, is often called the USDA rural development loan or USDA mortgage and is accessible solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage demands none at all.
Our bank is locally owned and operated by folks with deep roots in the communities we serve. Our daily commitment is to meet the unique needs of our neighbors, guided by the traditional values we all share After all, loan decisions should be based on you and not a complex risk formula from an out-of-state headquarters.
CCTFCU is a federally-registered credit union serving Cherokee County. We were organized in 1955 to provide low-interest loans and high-yield savings accounts to teachers serving in our school districts. As a federal credit union, we’re a non-profit banking institution that gives back to each and every one of our members with low-interest loans.
525 Woodland Square Blvd, Suite 200, Conroe, TX, 77384
CORE Lending specializes in residential mortgage loans. We provide many types of financing: conventional, FHA, VA, USDA, jumbo, construction loans (both one-time close & two-time close), and portfolio products. We firmly believe our service levels are what sets us apart on top of our competitive pricing.
Southern Star Credit Union has been open since 1953. The credit union has assets totaling $21.71 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, and other financial services to members.
First Service Credit Union is proud to say that we’re “For You, Not Profit.” We put our commitment to customers front & center. As a not-for-profit financial cooperative, First Service was started with a distinct purpose: to serve our members and help them reach their financial goals without having to worry about paying investors or shareholders.
1400 Broadfield Boulevard, Suite 200, Houston, TX, 77084
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
1400 Broadfield Boulevard, Suite 200, Houston, TX, 77084
Texas Finance is composed of native Texans on a mission. We are dedicated to offering you the best loans available, tailored just for you. Our promise is to keep your needs and well being the foremost item in obtaining your loan. We will always tell it like it is and promise -- no surprises at the closing table.
Bennett Home Mortgage, LLC believe in working hard to get the job done. Our leaders set the example, and it's this example that encourages the entire team to reach for the goal of greatness. Together, we work hard to be leaders in the industry, to stand out from the competition, and, above all, to make sure our customers are satisfied.
