In 2026, the USDA loan threshold in Spring, county of Harris, TX, is set at $336,500, whereas the FHA ceiling for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to evaluate the current top USDA versus FHA rates and identify the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you determine the most suitable program in for your particular financial situation.
2026 Loan Limits and Down Payment Requirements in Spring, County of Harris, 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 Spring, TX
Lendersa® aims to rapidly help you secure the best possible USDA or FHA loan without hassle. You can start from three different paths to connect with lenders and explore USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment.
Woodforest National Bank® has successfully stood among the strongest community banks in the nation, proudly offering unsurpassed quality customer service since 1980. Woodforest National Bank offers both consumer and business products and services at more than 740 branches in 17 states across the United States.
Our mission is to provide the most seamless mortgage process possible while minimizing the cost of securing a mortgage. We are able to provide this seamless process through our systems, our relationships, and, most importantly, our people. We are able to minimize costs by focusing on a volume-based approach that is geared toward.
25700 I-45 North, Suite 400, The Woodlands, TX, 77386
Lends in Texas
We are your one stop shop for all things mortgage. As you can see by our name we don’t mind being just a bit different. We built Storehouse Mortgage for YOU- to help you build a storehouse of wealth in your real estate needs. We are high tech, high touch and love helping people. We felt that there was a void in the mortgage industry.
Third Coast Bank SSB, was launched in 2008 by a group of local entrepreneurs with a passion for supporting the business community along the Texas Gulf Coast. Since then our bank has grown to $2 billion in assets, with over 250 employees & 12 locations. We've expanded to serve more Texas communities while maintaining our focus on responsive service
we have proudly served Texas for more than 60 years. Plains State Bank is committed to elevating the economic position of our individual and business customers and to the development of the communities we serve. We bring you the best in full service banking backed by local ownership.
8790 FM 1960 Bypass W, Suite A 500, Humble, TX, 77338
Lends in Texas
United Energy Credit Union has been open since 1934. The credit union has assets totaling $29.41 Million and provides banking services to more than 4, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Since the beginning, InvesTex Credit Union has grown and expanded our field of membership. As we look forward to a new chapter in Credit Union history, we look back fondly on the past. In the fall of 1952, Aldine Teachers Credit Union was formed by a small group with a vision to meet the needs of the employees
9810 FM 1960 Bypass W, Suite 105, Humble, TX, 77338
Lends in Texas
Houston Belt & Terminal Federal Credit Union was organized in 1949. Our philosophy as a member-owned credit union is not for profit, not for charity but to serve our membership. HB&T FCU is dedicated to providing its members with courteous, efficient and professional financial services while maintaining the highest ethical standards.
