In the year 2026, 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
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| Loan Type | Limits | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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?
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