USDA and FHA Pro and Con in Temple, Bell County, TX
During 2025, the USDA loan cap in Temple, within the county of Bell, TX, is designated as $336,500. In contrast, the FHA limit for a single-family residence is defined at $472,030. This difference is pivotal for prospective homeowners evaluating their financing options.
Lendersa® provides an exemplary USDA loan calculator, enabling you to compare today's prime rates between USDA and FHA loans. It helps ascertain necessary factors such as income, credit status, reserve balances, and document requirements for qualification. Our advanced, user-friendly mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loan programs, supporting informed decision-making about which plan might be most suitable for your financial situation in Alabama.
2025 Loan Limits and Required Down Payments in Temple, County of Bell, TX
Type of Loan
Loan Limit
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Lending Options in Temple, TX
At Lendersa®, our primary mission is to efficiently connect you with the ideal USDA or FHA loan with ease and speed, avoiding unnecessary difficulties. We offer three initial strategies to begin with, each connecting you to lenders that match with the available USDA loan offerings, making the process seamless.
The USDA home loan, alternatively referred to as the USDA rural development loan or USDA mortgage, is a specialized, government-backed financial product offered through the Department of Agriculture. It is accessible solely to individuals and families located in rural neighborhoods, offering them additional advantages. Unlike the traditional FHA loans, which necessitate at least a 3.5% down payment, the USDA mortgage program is distinctive for not requiring any down payment at all, presenting a significant opportunity for eligible borrowers to secure home financing more affordably.
MTP Mortgage is a Texas Mortgage Broker based in Plano, Texas and serves clients purchasing or refinancing a home or commercial property located anywhere in Texas. We offer every loan program available and find the very best loan program for our clients’ unique situation and at very competitive interest rates and low fees.
The Houston Prime Mortgage LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Mia Brent is the CEO of Helping Hands Lending, LLC. We are a Texas-based mortgage broker. We offer a wide variety of products, from Conventional, FHA, VA, and USDA. We open doors when other companies cannot, one loan at a time! Mia's personal journey has led her to help build helping Hands Lending to help others.
BH Loans, LLC. We are a full service mortgage company based in Houston, TX. We specialize in Investment loans in Houston. We also serve the surrounding cities in Harris County. Whether you are buying a home or refinancing and we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
Citizens 1st Bank was chartered in Rusk on April 6, 1920. During the past 90+ years, the bank has had only three presidents - B. B. Perkins, E. R. Gregg, and the current President, James I. Perkins. Our current President has served since 1971 providing stability and leadership for the bank.
Tyler City Employees' Credit Union is a full-service, not-for-profit cooperative financial institution that began in August of 1953. It was formed for the purpose of encouraging savings by offering a good rate of return, using collective moneys to make loans at competitive, low rates and providing other useful financial resources
Cooperative Teachers Credit Union (CTCU), our mission is to be a thriving cooperative financial institution that helps our members achieve their goals by offering comprehensive financial products and services which they can receive in-person, online, or wherever they may be. Since 1953, we have committed ourselves to consistently serve our members.
Life Credit Union (formerly known as Members Choice Federal Credit Union) has been open since 1973. and also LiFE Credit Union are interested in leaving the LEGACY of TRUST in out members through diligently finding our place in impacting your LiFE. For over 40 years, we have established relationship through that trust.
We are a full service mortgage company serving the state of Texas. We specialize in all residential and commercial loans! Whether you are buying a home or refinancing, we can help you and we specialized in Conventional | FHA | VA | USDA | Jumbo | Construction, Cash Out | Streamline | Conventional | HARP | Reverse Mortgage | Commercial | and more
Asset based lender serving clients since 2007. We provide competitive financing for acquisitions, fix ‘n flips, cash-out refinancing, long term rental properties and ground up construction with terms up to 36 months. We offer programs for borrower’s with or without bad credit. Minimum loan amount: $75,000. Maximum: $2,000,000.
Anthony is a mortgage professional with more than 20 years in the business. He specializes in helping low and middle income families and individuals become home-owners. With dozens of home products at my disposal, I can help you find the mortgage that is perfect for your individual needs.
