USDA Vs. FHA your options comparison in Saginaw, Tarrant County, TX

For the year 2025, the USDA loan limit in Saginaw, within Tarrant county, TX, stands at $360,600, whereas the FHA limit for a single-family home is determined to be $531,300. These caps indicate the maximum loan amounts permissible under these programs in this area.

Utilize the Lendersa® USDA loan calculator to evaluate and compare today's leading USDA and FHA rates. Determine the necessary income, credit score, reserves, and documents to qualify. Our advanced mortgage calculator also facilitates a side-by-side assessment of USDA, FHA, Conforming, and VA options to assist you in selecting the best program suited to your financial situation in .

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Loan Limits and Downpayment Requirements for 2025 in Saginaw, Tarrant, TX

Loan Type Loan Limit Down Payment
USDA $360,600 0%
FHA $531,300 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Saginaw, TX

The mission of Lendersa® is to promptly and efficiently secure the most favorable USDA or FHA loan for you. To achieve this, you can begin with one of three avenues that align you with matching lenders and suitable USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, endorsed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Cannon Federal Credit Union
  • 4205 North Prince Street, Clovis, NM, 88101
  • Originally chartered as Cannon AFB Federal Credit Union located in an old barracks building on Cannon AFB, CFCU has flourished, moving & expanding into 2 convenient locations today. CFCU provides financial services to thousands of members in & around Clovis, New Mexico – including civilian & military personnel assigned to Cannon AFB, NAF employees.
  • American Heritage Bank Clovis
  • 3300 N. Prince Street, Clovis, NM, 88101
  • The mission of American Heritage Bank is to provide excellent customer and community support within the realm of safe and sound banking practices. The attainment of our mission will produce economic growth within our communities and a return of favorable value to our shareholders.
  • Frost Mortgage Lending Group
  • 2610 N Prince St, Clovis, NM, 88101
  • Frost Mortgage, we’re dedicated to giving each customer a great experience. Our local home Loan Originators have decades of combined experience in the mortgage industry and can help you reach your short- and long-term goals.Our local specialists have the resources of a huge national mortgage company and the friendly attitude of your neighbors.
  • AG New Mexico
  • 4501 North Prince Street, Clovis, NM, 88101
  • Ag New Mexico, Farm Credit Services (FCS), ACA is a rural lending cooperative that finances agricultural production, agribusiness and rural real estate, including farms, ranches, and rural recreational property. We are a part of the nationwide Farm Credit System, the oldest and largest source of rural financing in the United States.
  • The Mortgage SuperStore
  • 420 Commerce Way, Clovis, NM, 88101
  • 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.
  • Texas Champion Bank
  • 6124 South Staples St, Corpus Christi, TX, 78413
  • Texas Champion Bank makes it convenient and easy to borrow for any purpose. We offer a complete range of loan products while delivering personal, efficient customer service. All decisions are made locally and in a professional and expedient manner. Texas Champion Bank can assist you with the following types of loans
  • HomeSource Mortgage
  • 5850 S Staples St, Corpus Christi, TX, 78413
  • HomeSource Mortgage opened its doors in April 2015 and has quickly become known as “The source of ALL Your Mortgage Needs.” HomeSource Mortgage’s business model is based upon excellent communication and that is something Claudia strives for every time someone walks through the door. Claudia doesn’t believe that our job is simply to “generate loans”
  • Third Coast Home Loans, LLC
  • 5337 Yorktown Blvd, Suite 303, Corpus Christi, TX, 78413
  • Third Coast Home Loans, LLC is committed to helping you find the right mortgage product for your residential purchase, refinance, or permanent-to-construction financing. Our mission is simple: To present the best possible real estate advice and mortgage solutions by maintaining our commitment to quality loan files and outstanding customer service.
  • TENSAS STATE BANK
  • 307 Verona Street, Newellton, LA, 71357
  • Since 1922, we have served Tensas and surrounding parishes. Our goal has always been to provide our customers with great solutions and services at the local level. We are local people making local decisions. Come see what Homegrown service is all about. Tensas State Bank; Homegrown since 1922 and proud to be Loyal to Local.
  • The Pecos County State Bank
  • 500 North Main Street, Fort Stockton, TX, 79735
  • The charter of the Pecos County State Bank was dated March 22, 1928. The bank opened for business on July 3, 1928, in the old First State Bank building located on the corner of First and Main in Fort Stockton, Texas. Opening Capital was $25,000.00 with a surplus of $6,250.00. The first officers were J.M. Montgomery,