USDA VS FHA in South-Houston, Harris County, TX

In the year 2025, the USDA loan limit in South-Houston, in the county of Harris, TX is set at $285,000. Comparatively, the FHA limit for a single-family home is $356,362.

Utilize Lendersa®'s USDA loan calculator to compare the leading USDA and FHA rates today, and assess the income, credit, reserves, and documents you need to qualify. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, allowing you to choose which program in best fits your financial needs.

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2025 Loan Limits and Down Payment Details in South-Houston, Harris, TX

Loan Type Limits Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in South-Houston, TX

The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you with minimal hassle. Choose any of three starting paths to find lenders and suitable USDA loan programs.

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Understanding USDA Loans in TX

A USDA home loan is backed by the U.S. Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, a USDA loan requires no down payment whatsoever.

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



  • Infuze Credit Union
  • 5000 Illinois Ave, Bldg 494, Fort Leonard Wood, MO, 65473
  • Founded in 1954, Infuze Credit Union takes extraordinary pride in our long tradition of serving the financial needs of our members, both military, and civilians. The credit union has grown from providing financial resources to those serving at Fort Leonard Wood, MO, to serving more than 27, 000 members throughout the United States.
  • The Farmers State Bank Of Blue Mound
  • 205 South Fifth Street, Blue Mound, KS, 66010
  • The Farmers State Bank of Blue Mound was chartered in August of 1913 by 26 area men, with capital stock of $10,000.00. The men were mainly farmers, from the surrounding Kansas communities; Centerville to Bronson and Selma/Kincaid to Mound City. The initial board of directors included J. L Pettyjohn, President; Fred Bronson,
  • Home South Mortgage. Company
  • 1104 W Ft Williams St, Sylacauga, AL, 35150
  • We pride ourselves on making Alabama mortgages easy. Whether you're a first-time homebuyer or looking to save on your current mortgage, we can help. There’s a reason why we have a 99.9% customer retention rate. When you get your mortgage with us, we get you the lowest rates and we let you know when you can refinance and save.
  • Wayne County Bank
  • 216 South High Street, Hwy 64 W, Waynesboro, TN, 38485
  • The Wayne County Bank came into existence the year America entered WWI in 1914. The story of the Wayne County Bank until 1962 was the story of James L. Morrow. “Mr. Jim” was the prime mover in the organization of the bank. He served as cashier for 48 years and was a guiding force until his death in 1962. Mr. Morrow, the son of D.N.
  • Premier Bank of the South
  • 101 First Avenue NW, Cullman, AL, 35055
  • Premier Bank in Cullman to meet the needs of our community. Since that time, we have served many businesses, families, and individuals throughout North Alabama.Whatever the need, the decision is made locally, by people you know and trust, who take pride in being a part of this community
  • Merchants Bank of Alabama
  • 900 Second Avenue SW, Cullman, AL, 35055
  • Merchants Bank of Alabama, a division of SouthPoint Bank, has become Cullman County’s go-to locally owned bank by going way out of our way. It’s an approach to banking that goes way back to 1907 when we opened in Hanceville, Alabama. Since then we’ve made a point of changing with the customer. Not just the times.
  • First Community Bank.
  • 420 2nd Ave SW, Cullman, AL, 35055
  • Located in northern Alabama, First Community Bank is an $120 million community financial institution operating since 1905. First Community Bank offers competitive interest rates on all deposit products including certificates of deposits, checking and savings accounts. We are also dedicated to providing competitive mortgage financing for purchases.
  • Cullman Savings Bank
  • 1652 2nd Ave SW, Cullman, AL, 35055
  • Cullman Savings Bank is a Bank with operations in one state. Cullman Savings Bank offers numerous mortgage programs including conventional, FHA, VA and construction mortgages and We offer competitive mortgage loan rates with local customer service to help you find the mortgage loan that is right for you