In the year 2025, the USDA loan limit for Texas-City, located in the county of Galveston, within the state of TX, is established at $285,000. On the other hand, the FHA loan limit is $356,362 for a typical single-family home.
You can utilize the Lendersa® USDA loan calculator to juxtapose today’s optimal USDA and FHA loan rates. It also helps ascertain the income, creditworthiness, reserve needs, and necessary documentation for loan qualification. This advanced tool allows you to view USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the loan program in Alabama best suited for your financial requirements.
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| Type of Loan | Loan Limit | Minimum Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to quickly and effortlessly secure the most suitable USDA or FHA loan tailored to your needs. Choose one of the three initial approaches offered, which connect you with matching lenders and suitable USDA loan schemes.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is a government-backed loan offered by the Department of Agriculture. This specific type of loan is accessible only to individuals residing in rural communities. Different from FHA loans that demand a minimum down payment of 3.5%, the USDA mortgage provides the significant advantage of requiring no down payment, effectively easing the financial burden on borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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