USDA Vs. FHA Pro and Con comparison in Tomball, Harris County, TX

In 2025, the USDA loan limit for Tomball in Harris, TX is set at $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA rates, determining the required income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program in for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Tomball, Harris, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Choices in Tomball, TX

Lendersa® aims to secure the best USDA or FHA loan quickly and effortlessly. Initiate one of three options to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

The USDA home loan, known as the USDA rural development loan or mortgage, is backed by the Department of Agriculture and available for rural areas only. Unlike FHA loans requiring a minimum of 3.5% down payment, the USDA loan requires none.

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



  • Mortgage Assurance, LLC
  • 1391 Holmes Street, Suite 119, Chattanooga, TN, 37408
  • Morgage Assurance is ready to help you purchase your dream home today. We are a family owned business located in Chattanooga, Tennesee Mortgage Assurance has nurtured relationships with numerous lending companies across the U.S., which allows us to custom fit a lender for the loan program.
  • BCBST Employee Credit Union
  • 1 Cameron Hill Circle, Chattanooga, TN, 37402
  • The credit union began operating on January 1, 1972, with 452 members & $4, 766 in shares. After over 5 decades of service, the credit union’s membership has increased to over 2, 800, with total assets exceeding $10 million. You can do business with the BCBST Employee CU with confidence because of its history of stability, professionalism & growth.
  • Comtrust Federal Credit Union
  • 1020 Riverfront Parkway, Chattanooga, TN, 37402
  • Comtrust FCU is a strong, well capitalized credit union whose member accounts are federally insured to $250, 000 by the National Credit Union Administration, one of the strongest insurance funds in the country. We take pride in assuring our members that their account information is secure, private and protected with up-to-date technology available.
  • RockPoint Bank, National Association
  • 401 Chestnut Street, Suite 101, Chattanooga, TN, 37402
  • When it comes to managing your money and growing your company, a banking relationship based on personalized service is becoming harder to find- that’s why we created RockPoint Bank. We're a locally-owned business bank headquartered in Chattanooga, Tenn., that embraces the spirit of our community.
  • First Volunteer Bank
  • 728 Broad St, Chattanooga, TN, 37402
  • Our mission is to be the bank where “every customer comes back and brings a friend. Over the years, we have grown to more than 24 branch offices in Tennessee and Northwest Georgia, while never losing focus on the customer. We remain attentive to the banking needs of our consumer, small business, and commercial banking customers.
  • Barot Capital, LLC Commercial Real Estate Loan Consultants
  • 736 Market Street, Suite 318, Chattanooga, TN, 37402
  • BAROT Capital, LLC originates commercial real estate loans through an online standardized product driven platform. BAROT Capital is a full-service commercial real estate finance company providing all facets of financing including origination, placement, analysis and advisement. BAROT Capital extensive knowledge, experience.
  • Trust Federal Credit Union
  • 555 Walnut Street, Suite 100, Chattanooga, TN, 37402
  • Trust Federal Credit Union is a federally chartered credit union with primary operations in Chattanooga, Tennessee. We service employees of Unum Corporation, Cigna Corporation and many smaller businesses. In addition, anyone who lives, works, worships or attends school in downtown Chattanooga may join.
  • BrightBridge Capital
  • 506 Broad St, Chattanooga, TN, 37402
  • Since 1981, we have stimulated economic development by providing innovative solutions that meet startup and existing businesses capital needs. Our capital solutions enable businesses to bring jobs, commercial goods and services, and community assets to communities that need them.
  • Riverside Lending, LLC
  • 910 N Tennessee St., Cartersville, GA, 30120
  • Riverside Lending, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest
  • American Mortgage Group, Inc
  • 205 Stonewall Street, Cartersville, GA, 30120
  • In 1998, owner Steve Mowry started American Mortgage Group, Inc. Mr. Mowry started working in the mortgage business in ’97 with a mortgage banker and later a mortgage broker. Soon after he began his endeavor in the finance world, he realized there were customer needs he felt as though weren’t being met.
  • 1st Georgia Home Mortgage
  • 6 Maybelle St, Cartersville, GA, 30120
  • 1st Georgia Home Mortgage is located approximately 35 miles North-West of Atlanta, GA in the city of Cartersville. The company is owned by Maurni Weeks Moss 1st Georgia Home Mortgage has been serving clients throughout the state of Georgia with both buying homes as well as refinancing to more affordable mortgage Loans since the year 2001.