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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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