In 2026, the USDA loan limit for Shallowater, situated in Lubbock county, TX, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to explore today's top USDA versus FHA rates and determine the required income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side-by-side, assisting you in choosing the best program in based on your financial circumstances.
2026 Loan Limits and Downpayment Requirements in Shallowater, Lubbock County, 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 Shallowater, TX
Lendersa® aims to provide you with the best possible USDA or FHA loan quickly and without hassle. Choose one of three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan is guaranteed by the government's Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage loan does not require any down payment.
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The Citizens State Bank is Texas chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Citizens State Bank is located in Anton, Texas, and was founded in 2007. At this location, Citizens State Bank employs approximately 12 people.
Texas Tech Credit Union is an innovative financial institution that is committed to our vision of "Meeting Needs and Creating Value" for our members and community. We provide financial services that benefit our members' lives and set ourselves apart by offering financially superior loans and deposit accounts.
WesTex Federal Credit Union has been open since 1946. The credit union has assets totaling $85.02 Million and provides banking services to more than 7, 000 members as of March 2022.
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.
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We offer mortgages for new home purchases at competitive rates. Whether you need cash out or just want a better rate and term, Pixel is here to help with your refinance. Pixel Mortgage works great with real estate agents. Fast pre-qualification, great rates, helpful processing, and great communication are Pixel qualities.
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