USDA VS FHA in Sulphur-Springs, Hopkins County, TX
For 2026, the loan limit for the USDA in Sulphur-Springs, situated in the county of Hopkins, TX, stands at $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA, and determine necessary income, credit, reserves, and documentation for eligibility. With our sophisticated mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side to identify which program in suits your financial needs best.
2026 Loan Limits and Downpayment Requirements in Sulphur-Springs, Hopkins, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Sulphur-Springs, TX
The purpose of Lendersa® is to quickly and efficiently provide the best possible USDA or FHA loans without hassle. Choose one of three initial points that connect you with matching lenders and USDA loan programs.
The USDA home loan, assured by the Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is designed for rural areas exclusively. Contrary to FHA loans that require at least a 3.5% down payment, a USDA mortgage demands no down payment at all.
Alliance Bank has been a strong Banking presence in Northeast Texas since its opening in the late 1920s. Although the name has changed from Sulphur Springs State Bank to Alliance Bank since we first opened our doors, our dedication to providing a high level of customer service has always remained the same.
For over a hundred years FNB has shared in the growth of Cooper and its citizens. In May 2007 FNB joined with The Delta Bank to form a community bank dedicated to the prosperity of Delta County, by providing sound lending and financial planning to its customers. At FNB you get all the features
Yantis Federal Credit Union is located in Yantis, Texas. The Credit Union was the vision of H.E. Coker and a handful of Yantis residents. Together they generated community interest in the concept of “people helping people.” Yantis Federal Credit Union was granted a Community Charter in August 1955.
First National Bank of Winnsboro has been continually serving multiple generations of families for over a century! At the 2018 Customer Appreciation BBQ, Texas Bankers Association and The Independent BankersBank presented FNB with a award for celebrating 125 years of banking. Windol Cook, on behalf of TIB, stated.
Alba-Golden Federal Credit Union has as its mission, the responsibility for providing an efficient, effective and well managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Alba-Golden Federal Credit Union will continue a sound yet progressive asset management strategy.
Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.
A group of local businessmen came together in May 1922 to form Paris Building and Loan Association. The original mission of the organization was to lend money for building, improving, and paying debts on homesteads and to lend money to members of the Association. First Federal Community Bank is proud to be the hometown bank of choice.
Our pledge is to provide the very best financial services, using sound business practices in the most professional & friendly manner possible. Your privacy is important to NETTFCU. We do not give out any non-public personal information to anyone except as permitted or required by law & to 3rd parties as needed to conduct business on your behalf.
Liberty National Bank is a full-service community bank serving the financial and civic needs of the greater Red River Valley. In addition to two banking locations in the City of Paris, Liberty also has an ATM machine located in West Paris at 1929 Bonham St. Liberty makes available to its customers.
