In 2025, 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.
2025 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.
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