USDA and FHA Pro and Con in Seminole, Gaines County, TX
For the year 2025, 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.
2025 loan limits and down payment criteria in Seminole, county of Gaines, 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 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.
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.
ProMedica Federal Credit Union is a full-service Credit Union. Anyone associated with ProMedica and his or her family members are eligible to join PFCU.
We are a full service financial institution that can assist with all of your deposit, borrowing, financial service and financial education needs.
Directions Credit Union—banking you can trust with a strong history and the highest quality financial services since 1953—now serves over 100, 000 members and manages a collective asset of more than $864 million. It’s this responsible management of member funds and the cost savings we pass along to our members
Benji Edwardson was born and raised in Redding, CA. He received his psychology degree in 2004 from Simpson University and wanted to go into counseling. He took a job at a local mortgage office in 2004 and decided this was his career.His wife Jamie is a local Real Estate agent that was also born and raised in Redding.
The Pataskala Banking Company was founded in 1888 by William Henry Mead II and J. S. Youmans as a community bank serving southwest Licking County and it remains one of the few true community banks in central Ohio.
Our first office opened in downtown Pataskala in 1888 and we have maintained a presence in downtown Pataskala
Wexford Community Credit Union is a full-service, not-for-profit financial institution. We offer our members attractive rates and terms on all types of services. The employees of Wexford Community Credit Union pride themselves on the personal service they provide to you, our member.
Genisys Mortgage Professionals was formed to provide maximum financing choices to our community. Specifically, we designed Genisys to provide specialized service to the primary residence market and especially to first-time home buyers. In 2010, Genisys became part of J. Virgil, Inc., a full service mortgage lender.
Local people serving local people. Our motto is the driving force behind all of First Sentinel Bank's efforts to build deeper connections with our communities, our customers, and our employees. First Sentinel Bank continues to stand apart from competitors through grass-roots involvement with our local communities.
Our journey began late in 2012, with the principles of honesty, integrity, and transparency cemented in our company mission. Our client focused approach allows our team to provide tailored financing solutions to your unique situation. We remain highly competitive in the marketplace by offering our clients guaranteed rates at wholesale pricing.
Citrus Lending is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending will work with you to get you the financing you need to make your real estate dreams come true.
Mountaineer Mortgages is owned by Chris Arquette who has over 20 years of mortgage lending experience in the High Country. He's an ASU alumnus who knows what it takes to make your loan process smooth and hassle free. We pride ourselves on exceeding our customer's expectations, working hard to find the best rates and loan options for you.
First Bank of Ohio was established in 1873 and was formerly known as The Tiffin Savings Bank. In 1987 the bank changed its name to First Bank of Ohio. At the time it had offices in Tiffin & Bloomville in Seneca County Ohio. In the fall of 1999, the bank merged with First Bank of Marietta who had offices in Marietta, Belpre, and Mt. Vernon Ohio.
"Your Legacy Federal Credit Union has been open since 1952. The credit union has assets totaling $80.09 Million and provides banking services to more than 7, 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"
