USDA Loan Vs. FHA loan pro & con Paris, Lamar County, TX

In 2026, the USDA loan cap in Paris, located in the county of Lamar, TX, is set at $336,500, while for a single-family home, the FHA loan limit is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's top rates for USDA compared to FHA loans. Determine the required income, credit, reserves, and necessary documentation to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in for your financial needs.

USDA and FHA Loan Options in Paris, TX

Lendersa® aims to secure you a USDA or FHA loan quickly and efficiently, without hassle. Start with one of three avenues to match with lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the Department of Agriculture, referred to as the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage has no down payment requirement.

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Paris Lenders
(903) 784-0881 Lender's profile and map First Federal Community Bank, SSB 630 Clarksville St, Paris, TX, 75460 Lends in Texas A group of local businessmen came together in May 1922 to form Paris Building and Loan Association. The original mission of the organization was to lend money for building, improving, and paying debts on homesteads and to lend money to members of the Association. First Federal Community Bank is proud to be the hometown bank of choice.
(903) 785-6682 Lender's profile and map Northeast Texas Teacher's Credit Union 3320 Lamar Avenue, Paris, TX, 75460 Lends in Texas Our pledge is to provide the very best financial services, using sound business practices in the most professional & friendly manner possible. Your privacy is important to NETTFCU. We do not give out any non-public personal information to anyone except as permitted or required by law & to 3rd parties as needed to conduct business on your behalf.
(903) 785-5555 Lender's profile and map The Liberty National Bank in Paris 305 Lamar Ave, Paris, TX, 75460 Lends in Texas Liberty National Bank is a full-service community bank serving the financial and civic needs of the greater Red River Valley. In addition to two banking locations in the City of Paris, Liberty also has an ATM machine located in West Paris at 1929 Bonham St. Liberty makes available to its customers.
(903) 395-2131 Lender's profile and map The First National Bank in Cooper 11 West Side Square, Cooper, TX, 75432 Lends in Texas For over a hundred years FNB has shared in the growth of Cooper and its citizens. In May 2007 FNB joined with The Delta Bank to form a community bank dedicated to the prosperity of Delta County, by providing sound lending and financial planning to its customers. At FNB you get all the features
(903) 885-2187 Lender's profile and map Alliance Bank 100 Jefferson St W, Sulphur Springs, TX, 75482 Lends in Texas Alliance Bank has been a strong Banking presence in Northeast Texas since its opening in the late 1920s. Although the name has changed from Sulphur Springs State Bank to Alliance Bank since we first opened our doors, our dedication to providing a high level of customer service has always remained the same.
(903) 583-5522 Lender's profile and map Fannin Bank 230 East 3rd Street, Bonham, TX, 75418 Lends in Texas Fannin Bank was organized in November 1921 as the Guaranty State Bank in Windom, Texas. By June 1922 the bank had $158,046 in assets. The name was changed to Fannin Bank in 1976, and in 1987 a branch office was opened in the town of Bonham. The Honey Grove branch opened in 2008 with the headquarters moving to Bonham the same year.