USDA Vs. FHA your options comparison in Shenandoah, Montgomery County, TX

For 2025, the USDA loan ceiling in Shenandoah, in Montgomery county, TX, stands at $336,500. By contrast, for a single-family home, the FHA ceiling is $472,030.

Try out the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates, and identify the income, credit, reserves, and documentation needed for eligibility. Our enhanced mortgage calculator displays a side-by-side comparison of USDA, FHA, Conforming, and VA programs to aid in determining the best choice for your financial needs in .

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2025 Loan Limits & Downpayment Criteria in Shenandoah, Montgomery, TX

Type of Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Opportunities in Shenandoah, TX

Lendersa® aims to quickly secure the best USDA or FHA loan for you with minimal hassle. Choose one of three entry points for lender matching and USDA loan programs.

Lendersa USDA loan inquiry and result connections

Understanding the USDA Loan in TX

The USDA home loan, endorsed by the U.S. Department of Agriculture, also called a USDA rural development mortgage, is designed for rural areas and requires no down payment, unlike FHA loans which mandate a 3.5% minimum down payment.

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



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