USDA Vs. FHA your options comparison in Seabrook, Harris County, TX

In 2025, within Seabrook, located in the county of Harris, TX, the USDA loan limit is set at $336,500. Meanwhile, the FHA limit applicable for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates for today, and discern the income, credit reserves, and documents required to qualify. With our advanced mortgage calculator, you can conduct a side-by-side analysis of USDA, FHA, Conforming, and VA options, guiding you in selecting the program best suited to your financial needs in .

Compare loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Seabrook, Harris, 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 Seabrook, TX

Lendersa®'s goal is to connect you with the best possible USDA or FHA loan swiftly and without complications. Select one of three starting points designed to link you with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in TX

The USDA home loan, guaranteed by the Department of Agriculture—often referred to as the USDA rural development loan or USDA mortgage—is only available in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, the USDA mortgage requires no down payment.

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



  • FHG Capital
  • 1334 Timberlane Road, Suite 15, Tallahassee, FL, 32312
  • FHG Capital team is proud to serve the lending needs of homeowners and home buyers in Florida. Our hands-on approach helps each of our clients understand the mortgage process Now more than ever it is important to have an experienced mortgage team helping you through the home loan process.
  • Summit Ridge Credit Union
  • 3485 NE Ralph Powell Road, Lees Summit, MO, 64064
  • We were chartered in 1955 as District 4 Highway Credit Union to serve all employees and retirees of District 4 Missouri Department of Transportation, Missouri State Highway Patrol Troop ""A"" and immediate family members. Then in March 2011, the credit union changed to a community charter that allows us to serve persons that live
  • Summit Lending
  • 4967B Goodview Circle, Lees Summit, MO, 64064
  • At Summit Lending We are Experts with VA Loans, FHA loans, conventional mortgages and have been helping folks find the best mortgage options for over 17 years.VA Loans, FHA loans, conventional mortgage services. Summit Lending is Arizona, Missouri, & Kansas' trusted, local leader for home loans and refinanced mortgages.
  • Affinity Lending, Inc.
  • 2641 NE McBaine Dr, Lees Summit, MO, 64064
  • Affinity Lending, Inc. was established in 2007 and was greatly expanded in early 2019. At at Affinity, we believe in long-lasting relationships and it begins with honesty and integrity. When you work with us, you get personal service and the respect you deserve from our experienced and knowledgeable staff every time.
  • Lowen Enterprise LLC
  • 115a South Main, Grain Valley, MO, 64029
  • WPL Mortgage Solutions is more than a mortgage broker, we’re your financial partner. We seek out long-term relationships with our vendors, suppliers, employees and most of all, with our clients. As a mortgage broker, we take time to get to know customers and find real solutions so they can live out their dreams.
  • Chester National Bank
  • 1112 State St., Chester, IL, 62233
  • Chester National Bank is located approximately 60 miles south of St. Louis, Missouri on the Mississippi River with its Main Office located in Chester, Illinois, "The Home of Popeye". Originally organized in 1919, Chester National Bank conducts business from the main office in Chester, IL with two full service offices.
  • Bank of Prairie Village
  • 3515 W. 75th Street, Prairie Village, KS, 66208
  • Bank Of Prairie Village is a branch office of Bank Of Prairie Village. They provide the following services: Full Service Office Location and are located at 3515 W. 75th Street in Prairie Village Kansas. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
  • Elite Mortgage Group, LLC
  • 7301 Mission Road, Suite 254B, Prairie Village, KS, 66208
  • Founded in 2014 and located in the Kansas City, MO area. Licensed in MO, KS, CO, FL, and GA. We have been in the Mortgage service business for over 6 successful years. This longevity and confidence comes from our Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.