USDA Vs. FHA your options comparison in Smithville, Bastrop County, TX
In 2025, the USDA loan limit in Smithville, county of Bastrop, TX, stands at $386,400, while the FHA limit reaches $571,550 for a single-family home. Understanding these limits is crucial for potential homeowners planning financing strategies within these areas, significantly affecting affordability and buying power.
Employ the Lendersa® USDA loan calculator to effectively compare the most favorable rates between USDA and FHA loans available today. Assess the income, credit-worthiness, reserves, and the necessary documentation required to qualify. Using our sophisticated mortgage calculator, you can make side-by-side assessments of USDA, FHA, Conforming, and VA loans, aiding you in selecting the best-suited program for your financial situation in . This robust approach provides a comprehensive understanding of your options, tailored precisely to your financial objectives and current needs.
2025 Loan Limits and Downpayment Requirements in Smithville, County of Bastrop, TX
Loan Type
Loan Limit
Down Payment Percentage
USDA
$386,400
0%
FHA
$571,550
3.5%
Conventional Conforming
$726,200
3%
These figures reflect the broader economic conditions and regulatory decisions that aim to support buyers in making informed mortgage decisions corresponding to their fiscal capacity and aspirations, ensuring everyone finds a solution that best marks their housing and financial future.
Diverse USDA and FHA Loan Options in Smithville, TX
The mission of Lendersa® is to connect you swiftly with the ideal USDA or FHA loan, ensuring a stress-free experience. Choose from one of three initial pathways designed to match you with lenders and USDA loan programs tailored to fit your profile. These options are curated to bring clarity and ease to what might otherwise be a daunting journey, helping you navigate seamless transitions towards securing the right mortgage option.
A USDA home loan, also known as the USDA mortgage or rural development loan, is assured by the U.S. Department of Agriculture. This financing solution is accessible solely within rural communities and offers substantial benefits like zero down payment requirements, differentiating it significantly from FHA loans that require at least a 3.5% down payment. Understanding these distinctions is invaluable for those considering homes in rural settings, allowing for better financial planning and execution.
Since we opened in 1950, Telcoe Federal has steadily grown into one of the most respected full-service financial institutions in Arkansas. But we’ll never outgrow our valued customers. We’ll never be bought out by one of the big conglomerates because our members "own the store." We believe our lifelong commitment to our financial partners
5 Statehouse Plaza, Suite 500, Little Rock, AR, 72201
"Bank of England Mortgage has taken pride in the being there when our borrowers need us. Our mission is to deliver total value to our customers. This means competitive rates, STRESS-FREE closings, extensive product knowledge, and a friendly, helpful attitude.
Bank of England Mortgage offers the strengths of a strong capital base"
100 Morgan Keegan Dr, Suite 420, Little Rock, AR, 72202
McRae Mortgage & Investments, LLC (MMI) is a private regionally based real estate investment and mortgage banking firm. The company was established in February 1994 and is an Arkansas limited liability corporation. The founder and owner is Kenneth G. McRae, IV. Corporate offices are in the Morgan Keegan building located
The Bank of Vici acquired an organizational charter date of October 22, 1902. In 1914, the Bank of Vici consolidated with the First Bank of Cestos with John F Windolph as the principal organizer and was its first president, a position he held until his death in 1956. The Bank of Vici celebrated its 100th anniversary on October 22, 2002.
2200 Fort Roots Dr, Building 170, North Little Rock, AR, 72115
The Fort Roots Federal Credit Union was formed in 1933 consisting of seven members. As of today, we have 1,230 members with assets totaling nearly 4 million dollars.
Fort Roots FCU can be your full service financial institution. Our services include savings, Christmas club, checking, ATM & debit Cards, direct deposit, savings certificates, aut
1000 West 4th Street N, North Little Rock, AR, 72114
U.P. Employees Federal Credit Union is a member-owned financial institution that is not for profit, not for charity, but for service. The Credit union is committed to the philosophy of people helping people.
Union Pacific Railroad and Amtrak employees as well as their immediate family members.
1501 Pike Avenue North, North Little Rock, AR, 72114
UP Arkansas Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
Priority Federal Credit Union was originally founded on September 28, 1967 as Pope County Educators Federal Credit Union with the idea of serving Pope County Schools and Arkansas Tech University.
Through constant growth, we have added participating groups throughout the region
Jackson Area FCU opened its doors in February 1953, as the City of Jackson Municipal Employees FCU. Today, Jackson Area FCU is made up of 70 plus SEG. Anyone who works for one of our SEG's is eligible to join Jackson Area FCU. Jackson Area FCU also serves the underserved in Hinds County, MS, which means anyone who lives, works, worships.
Petit Jean State Bank was established in 1999 when a group of local Conway County business leaders recognized the need for Morrilton and Conway County to have a locally-owned and managed bank. In just 59 days, the organizers had influenced some 300 additional investors to commit to the new bank.
