USDA VS FHA in The-Woodlands, Montgomery County, TX

In 2025, the USDA loan ceiling for The-Woodlands, situated in the county of Montgomery, TX, is $285,000, whereas the FHA limit for a single-family property is $356,362.

Utilize Lendersa® USDA loan calculator to compare the current top rates between USDA and FHA. Assess the required income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side-by-side to find the best fit for you in Alabama.

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2025 Loan Limits and Down Payment Requirements in The-Woodlands, County of Montgomery, 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 Opportunities in The-Woodlands, TX

The main objective of Lendersa® is to quickly and easily connect you with the best USDA or FHA loan without any hassle. You have three starting options to choose from, which lead you to matching lenders and relevant USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in TX?

The USDA home loan, also termed as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture. It's available exclusively in rural areas. Unlike FHA loans, which mandate at least a 3.5% down payment, the USDA loan offers the advantage of requiring no down payment at all.

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



  • Premier 100 Mortgage
  • 710 Kipling St, Lakewood, CO, 80215
  • At Premier 100 Mortgage, LLC all of our underwriting and closing is done in-house, allowing us the greatest measure of control and communication throughout the process, from pre-qualifying to closing. We also have access to the most competitive rates and program offerings on conventional, FHA, and VA mortgages.
  • Macro Financial Group Inc
  • 9450 West 11th Avenue, Denver, CO, 80215
  • "Since 1995, with our over 100 years of combined mortgage lending & real estate experience, Macro Financial Group has originated thousands of home loans for the residents of Colorado. In an ever-changing industry we pride ourselves on having the experience, education and relationships to walk you comfortably through the entire proce
  • Wilson Mortgage Group
  • PO Box 150578, Lakewood, CO, 80215
  • Built on a foundation of trust and integrity, we are a one-stop-shop for all your mortgage needs. Whether you're new to mortgages or have experience, we are confident we can provide competitive loan options tailored to your meet your goals! We will achieve this by providing a wide variety of home loan products to you that are structured to fit
  • POWELL HOME MORTGAGE, LLC
  • 7730 Camelback Dr., Indianapolis, IN, 46250
  • Powell Home Mortgage we are a full-service mortgage company based in Indianapolis, IN. We specialize in FHA,Conventional, VA Mortgage in Indianapolis & surrounding cities.Whether you are buying a home or refinancing your current loan, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
  • Milestone Mortgage, Inc
  • 7168 Graham Road, Suite 175, Indianapolis, IN, 46250
  • Milestone Mortgage, we strive to "Go the Extra Mile for You!" As a client, you will be treated with respect and you will experience the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing your home , or cashing out some of your home equity.
  • Royal United Mortgage LLC
  • 7999 Knue Rd, Suite 300, Indianapolis, IN, 46250
  • Royal United Mortgage was founded with the belief that there had to be a better, friendlier, more honorable way to provide people loans.A way that brought compassion to the mortgage loan industry.A way dedicated to improving lives.Well, that belief lives on here today.Making a difference in the lives of the communities we serve is our top priority.
  • ClearPoint Federal Bank & Trust
  • 100 Progress Drive, Batesville, IN, 47006
  • ClearPoint Federal Bank & Trust is a federally chartered savings bank devoted to providing cemeteries and funeral homes with unparalleled trust products and services. ClearPoint has been serving customers since 1998. ClearPoint is recognized as an industry leader in fiduciary services, investment management, recordkeeping, reporting
  • Midwest Bankers Mortgage Services Inc
  • 9745 Randall Drive, Suite 130, Indianapolis, IN, 46280
  • 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.