USDA Vs. FHA your options comparison in Port-Neches, Jefferson County, TX
In 2026, the loan limit for a USDA in Port-Neches, within Jefferson, TX, is set at $285,000. Meanwhile, the FHA limit for single-family homes is $356,362.
Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates and determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator enables a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you decide which program in best matches your financial circumstances.
2026 Loan Limits and Downpayment Requirements in Port-Neches, Jefferson, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Port-Neches, TX
Lendersa® is dedicated to connecting you with the best possible USDA or FHA loans swiftly and without hassle. Choose from one of three starting points that will match you with suitable lenders and USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans have no down payment requirement.
Neches Federal Credit Union has a deep history with roots that have been serving members of Southeast Texas since the early 1940’s. Just as the Neches River connects and links our neighboring cities, Neches FCU is the heartbeat of financial service, touching and strengthening our community.
MCT Credit Union Sprout is the online personality of MCT Credit Union, based out of Port Neches, Texas. By members choice, this institution is not federally insured, but privately insured by American Share Insurance. Credit Union, based out of Port Neches, Texas. By members choice, this institution is not federally insured
Golden Triangle Federal Credit Union originated in 1953. Since that time, Golden Triangle FCU has grown and prospered. GTFCU was formed by the employees of Atlantic Refinery and Pipeline Company. The original name of the credit union was Atlantic-Atreco Federal Credit Union. Now known as 'TOTAL' Refinery
In 1935, 5Point was born as a credit union intended to support the men and women who worked for The Texas Company. What started as a small community endeavor with 57 members and $247 in total savings has grown in ways its founders could not have imagined. Today, 5Point is one of the largest independent not-for-profit financial institutions.
3001 Jimmy Johnson Boulevard, Port Arthur, TX, 77642
Lends in Texas
Port Arthur Teachers FCU was organized in February 1953 to serve the employees of the Port Arthur Independent School District. The credit union operated in the homes of the directors for the first 20 years until it purchased the first building. Our mission is to be the first institution members will come to for their financial needs.
Port Arthur Community FCU has been open since 1950. The credit union has assets totaling $22.66 Million and provides banking services to more than 2, 000 members. 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 and access banking services.
First State Bank opened its doors on August 12, 1914. The bank was chartered and operated as Live Oak County State Bank until May 23, 1932, when the current name was adopted. Previous stockholders include John Nance Garner, former Vice President of The United States. The first branch opened on November 28, 2016 in Beaumont
Sabine Federal Credit Union was established in 1948. We are currently serving the financial needs of Hardin, Jasper, Jefferson, Newton, Orange & Tyler Counties with checking accounts auto loans, home mortgage loans, & more.Credit Union was established in 1948. We are currently serving the financial needs of Hardin Jasper, Jefferson, Newton, Orange.
At Wellspring Credit Union, we strive to create an experience you will remember. Our goal is to provide members with exceptional financial service each and every time they visit. Wellspring Credit Union is a not-for-profit financial cooperative. This means when you become a member of the credit union, you become a shareholder.
