USDA Vs. FHA your options comparison in Spring-Valley-Village, Harris County, TX
During 2025, the USDA loan limit within Spring-Valley-Village, county of Harris, TX, stands at $285,000; conversely, the FHA limit applicable to a single-family home is $356,362. These limits are essential for prospective homeowners strategizing their financing, as they dictate affordability and the fiscal landscape of available housing options in these areas.
To accurately compare the best rates between USDA and FHA loans, make use of the Lendersa® USDA loan calculator. This tool assists in determining the requisite income, credit score, reserves, and documentation for qualification. By utilizing our advanced mortgage calculator, you can analyze USDA, FHA, Conforming, and VA loans side-by-side, helping decide which program is most fitting for your financial situation in . This informed approach ensures you can select the optimal loan package tailored to your financial goals.
2025 Loan Limits and Downpayment Requirements in Spring-Valley-Village, Harris County, TX
Loan Type
Loan Limit
Down Payment Amount
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Understanding these limits, which are influenced by broader economic conditions and policy decisions, enables buyers to better prepare financially and engage in home-buying decisions that align with their long-term plans.
Exploring USDA and FHA Loan Options in Spring-Valley-Village, TX
Lendersa®'s aim is to connect you with the most suitable USDA or FHA loan swiftly and effortlessly. Choose from three starting options that lead to a match with lenders and USDA loan configurations suited to your requirements.
The USDA home loan, also termed the USDA mortgage or rural development loan, is underwritten by the Department of Agriculture. This loan is specifically designed for rural areas and does not require a down payment, contrasting with FHA loans, which demand a minimum of 3.5% down. This unique feature greatly reduces the upfront cost associated with purchasing a home, making the USDA loan a highly attractive option for eligible rural homebuyers.
Integrity Home Loans taking care of their clients in assisting them through the home buying and refinancing process. We understand that the lowest rates and closing costs matter. We simply give you our lowest rates and options upfront and let you decide. We love to educate our clients and always care of them with our service.
The team here at Community Valley Bank strives to provide the best service possible to our customers. Come visit with one of our team members to see if we can provide your needs for you! At Community Valley Bank, we understand the personal nature of your financial decisions. We offer a complete menu of deposit, lending, and investment products.
Clarion County Community Bank Provides Banks, Loans, Mortgage, Online Banking, Personal Banking, Business Banking, Mobile Banking to the Clarion, PA Area. Clarion County Community Bank is committed to ensure the safety of your financial information. We would like to remind you that e-mail messages are not secure.
As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.
14637 Lee Highway, Suite 103, Centreville, VA, 20121
Marion Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is unique, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
12715 Ridgefield Village Drive, Suite 101, Woodbridge, VA, 22193
PWC Employees Credit Union is a member-owned, not-for-profit, financial cooperative dedicated to serving our members. The PWC Employees Credit Union is proud to have served Prince William County government employees and their families for more than forty years. The Credit Union was chartered in 1971.
801 Sycolin Road SE, Suite 101, Leesburg, VA, 20175
Loudoun Credit Union was chartered in September 1977 (Charter #66954) pursuant to the provisions of the Virginia Credit Union Act. The credit union is a corporation chartered under the laws of the state of Virginia and regulated by the State Corporation Commission and the National Credit Union Administration.
Virginia Educators Credit Union (VECU) is a financial organization established and directed by members of the educational community in the cities of Newport News, Williamsburg, and their surrounding counties. The credit union was established in 1954 as the Warwick Teachers’ Association Credit Union.
In 1928, nine shipyard workers from Newport News Shipbuilding formed an organization with a specific purpose as a low-interest source of loans and a trusted place to deposit money. Today, BayPort Credit Union is rated a Superior 5-Star Credit Union by Bauer Financial, managing $2.2 billion in assets
11815 Fountain Way, Suite 300, Office 364, Newport News, VA, 23606
At Allegiance Home Lending, our mission is to provide our clients with high-quality mortgage brokerage services, serving them with honesty and integrity. We strive to make the process easier by educating and handholding them each step of the way. We focus on obtaining the lowest rates
11815 Fountain Way, Suite 300, Newport News, VA, 23606
MMMT Mortgage is a premier mortgage company that has been serving home buyers in Virginia and Maryland since 2006. I am a licensed and experienced loan officer with wide-ranging trade expertise and a lifelong passion for assisting people in need. As your mortgage broker, I promise to use my skills, products, and network to serve you.
742 Thimble Shoals Boulevard, Suite A, Newport News, VA, 23606
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
