USDA Vs. FHA your options comparison in Pampa, Gray County, TX
For 2026, the USDA loan limit in Pampa, located in Gray County, TX, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize Lendersa®’s USDA loan calculator to compare top USDA and FHA rates today, and determine required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Pampa, Gray, 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 Pampa, TX
The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you, without hurdles. Choose one of three starting paths to align with lenders and suitable USDA programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
PamCel Community FCU has been open since 1953. The credit union has assets totaling $14.8 Million & provides banking services to more than 1, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member & access.
Cabot Credit Union was officially chartered on June 6, 1931 after successfully completing the filing process with the Department of Banking. On 1956, Cabot Credit Union changed our name to Cabot Employees Credit Union to better reflect the membership of the time. Our commitment to our membership. It defines who we are, what we do, and why we exist.
Our Credit Union was chartered February 27, 1937 with Pampa Independent School District as our sponsor. Since the early 1980’s, our field of membership has been extended to the **family members of Pampa Independent School District employees. As a Credit Union, we believe that friendly, personal service is our number one priority.
At The State National Bank of Groom, we value our customer relationships. Our mission is to be the outstanding banking organization in our trade territory, capable of successfully competing against organizations that are marketing the same products and services.We will achieve this by consistently delivering superior service
At Borger Federal Credit Union, our members matter most. We strive to have individual relationships with all of our members, providing the most insight, education and strongest relationships in the Panhandle. We’ve served our community for over 50 years and as a Credit Union that is owned by you, we are able to offer lower rates on loans.
First Bank & Trust of Memphis of Memphis, TX provides banking services. The Bank offers checking accounts, credit & debit cards, loans, insurance, payment protection, phone banking, bill pay, and merchant services. We started as a community bank, and even though we’ve grown, we haven’t really changed.
Bivins Federal Credit Union has been open since 1940. The credit union has assets totaling $6.57 Million and provides banking services to more than 500 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
City Federal Credit Union has been open since 1948. The credit union has assets totaling $60.61 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 financial banking services to multiple member groups, but primarily serves federal state.
Founded in 1892 and now the largest family-owned Bank in the nation, Amarillo National Bank has never been typical — and we’re proud of it. The maverick soul of Amarillo is still very much a part of our daily work and lives. At ANB, we’re fiercely independent, answering only to our customers.
