USDA Vs. FHA your options comparison in Texas-City, Galveston County, TX

In 2025, USDA loan limit in Texas-City, county of Galveston, TX is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Texas-City, county of Galveston, TX

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Texas-City, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Yolo Federal Credit Union
  • 266 W. Main Street, Woodland, CA, 95695
  • Yolo Federal Credit Union is dedicated to serving the banking needs of our members, their families, and everyone living, working or attending school in Yolo County. It is our mission to help members achieve financial success and build wealth and we achieve that mission by hiring and retaining the best talent in the industry.
  • Moore West Federal Credit Union
  • 2450 Washington Avenue, Suite 180, San Leandro, CA, 94577
  • Moore West FCU was established in 1935 to benefit the employees of the Moore Corporation and their families. Moore West FCU has changed with the times over the last 85 years while keeping the same philosophy of "People Helping People", while at the same time providing a safe and sound financial institution.
  • SMW Federal Credit Union
  • 1750 Abram Ct, San Leandro, CA, 94577
  • Established in 1962, SMW 104 Federal Credit Union is a non-profit, financial cooperative owned and operated by its members (Sheet Metal Workers' Local Union 104 employees, apprentices and their families) which spans 49 counties from Ventura County, California, to the Oregon border. By understanding the nature of the trade and offering products
  • Outstanding Investment Company Inc
  • 2450 Washington Avenue, Suite 100, San Leandro, CA, 94577
  • If today's unrealistic credit requirements and housing regulations are making it impossible for you to get money out of your home then OIL is here for you. At OIL we understand that each individual borrower has individual circumstances. we are an Outstanding Investment Lending and we want to work with you.
  • Lane Mortgage, LLC
  • 604 Oakes Boulevard, San Leandro, CA, 94577
  • 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.
  • Seawest Coast Guard Credit Union
  • PO Box 4949, Oakland, CA, 94605
  • When you start a credit union from the ground up, you know a few things about trustworthiness, personal service, and good faith. We don’t keep your money in a shoebox anymore. But we are committed to showing those same principles to everyone who works with us today. We want to help people weather life’s storms and celebrate the sunny days with them
  • Freedom Bank MT
  • 530 9th St. West, Columbia Falls, MT, 59912
  • Freedom Bank thrives on community involvement and is built on a foundation of trust. Don Bennett, President of Freedom Bank in Columbia Falls, is no stranger to building from the ground up. Freedom Bank, which Bennett founded in April 2005, began in his basement. For the first year, the bank operated out of an old 980-square-foot trailer.
  • San Mateo Credit Union
  • PO Box 910, Redwood City, CA, 94064
  • Founded in 1952, San Mateo Credit Union remains committed to helping members achieve financial health. This simple mission has allowed us to grow—our asset size now exceeds $1 billion and we're home to more than 100, 000 members—but we will never outgrow that purpose. Membership is open to anyone who lives, works, worships
  • Travis Credit Union
  • PO Box 2069, Vacaville, CA, 95696
  • Travis Credit Union works every day to make a difference in the lives of the people we serve. As a secure and trusted financial institution, we advocate for the financial education and well-being of our members, and we give back to their local communities. To date, we have sponsored 200+ charities and local causes and volunteered 13, 000+ hour.
  • Herzer Financial Services, Inc.
  • 1779 Woodside Rd., Suite 201A, Redwood City, CA, 94061
  • Herzer Financial Services, Inc. (HFS) offers private real estate loans for consumers and real estate investors located in California. We make ground-up construction loans, fix and flips, bridge loans, consumer loans, commercial, refinance, and purchase money loans. A significant percentage of real estate loans.
  • Provident Credit Union
  • 303 Twin Dolphin Drive, Redwood City, CA, 94065
  • Provident Credit Union is and has been a local financial Institution serving the Bay Area and beyond for over 65 years. We offer our members a wide array of financial products and services with an unmatched level of customer service and convenience. Our members enjoy 21 branches located throughout the Bay Area.
  • Northway Bank
  • 9 Main Street, Berlin, NH, 03570
  • Northway Bank, headquartered in Berlin, New Hampshire, and a wholly-owned subsidiary of Northway Financial, Inc., serves dozens of communities throughout New Hampshire with 16 full-service branches and two loan production offices located in Bedford and Portsmouth. Today, with assets over $900 million, Northway Bank is one of the largest independent