USDA Loan Vs. FHA loan for Seminole, TX [Gaines County ]

For the year 2026, the USDA loan cap in Seminole, within Gaines county of TX, is $336,500, whereas, for a single-family home, the FHA limit is $472,030.

By using the Lendersa® USDA loan calculator, you can compare the top rates of USDA versus FHA loans today. This will help you assess the necessary income, credit health, reserves, and documentation qualifications. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, enabling you to make an informed choice about the right program in for your specific financial needs.

Exploring USDA and FHA loan alternatives in Seminole, TX

At Lendersa®, our objective is to help you quickly secure the best USDA or FHA loans with ease. Choose from one of three starting points to match with lenders and access USDA loan schemes.

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Discovering USDA Loans in TX

The USDA home loan, backed by the government's Department of Agriculture, is widely known as the USDA rural development loan or USDA mortgage. This financing is exclusively available for homes in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA mortgages come with no down payment required at all.

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Seminole Lenders
(806) 637-2751 Lender's profile and map Brownfield Federal Credit Union 201 West Hill Street, Brownfield, TX, 79316 Lends in Texas Brownfield Federal Credit Union is a member-owned and controlled financial services organization. Our mission is to meet members’ financial needs through quality service at the best value while maintaining financial stability. Building lifelong relationships one member at a time. Brownfield Federal Credit Union Chartered in 1960.
(806) 872-5151 Lender's profile and map Caprock Federal Credit Union 709 North First Street, Lamesa, TX, 79331 Lends in Texas Caprock Federal Credit Union has been open since 1965. The credit union has assets totaling $38.06 Million and provides banking services to more than 4, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state,
(432) 520-3443 Lender's profile and map Members Financial FCU 3100 Sunburst Drive, Midland, TX, 79707 Lends in Texas Members Financial FCU was federally chartered in 1940 and began providing a very limited array of financial services to a handful of employees at Shell Oil Company here in the Permian Basin. In 2008, we acquired Sid Richardson CU and we continue to grow. Offering many products and services, Members Financial FCU is now YOUR community credit union.
(432) 681-1050 Lender's profile and map Heritage USA Federal Credit Union 5507 West Wadley Avenue, Midland, TX, 79707 Lends in Texas Heritage USA Federal Credit Union (HUSA) began as Permian Telco Federal Credit Union in 1949 serving Southwestern Bell employees. During the next 53 years Permian Telco allowed Select Employer Groups (SEGs) into HUSA’s field of membership and eligible members had to work for one of the Select Employers to become a credit union member.
(432) 756-3361 Lender's profile and map The First National Bank of Stanton 119 North Saint Peter, Stanton, TX, 79782 Lends in Texas The First National Bank of Stanton has served Martin County and the surrounding area for over 100 years. It has survived two World Wars, the Great Depression and the Dust Bowl. It has continued to operate during numerous droughts and several oil booms and busts. The Bank plans to continue to offer the same quality service
(432) 333-5600 Lender's profile and map First Basin Credit Union 2740 N. County Road West, Odessa, TX, 79764 Lends in Texas First Basin, we strive to provide our members with the latest in technology and ease of access to their accounts. Make a loan payment online, pay your water bill, transfer funds into your savings account, check your balance with your mobile device, and much more... All at your fingertips and for your convenience.
(432) 934-0433 Lender's profile and map West Texas Credit Union 4301 Mission Boulevard, Odessa, TX, 79765 Lends in Texas West Texas Credit Union® began in a small room in the ECISD Administration building in 1953. At that time we were known as Ector County Independent School Employee’s Credit Union. Since then, we have expanded our facilities to include the main office and a branch office in Odessa, as well as a branch office in Ft. Stockton.