FHA Vs. USDA loan program for Tyler, Smith County, Texas

For 2026, the USDA loan limit in Tyler, situated in Smith County, TX, is set at $336,500. The FHA loan limit for a single-family home is $472,030 during the same period.

The Lendersa® USDA loan calculator enables you to compare the current USDA vs. FHA rates, helping you determine the necessary income, credit status, reserves, and documents required for eligibility. You can view USDA, FHA, Conforming, and VA loans side by side with our advanced mortgage calculator, assisting in identifying the best program for your unique financial condition in .

Discover USDA and FHA Loan Options in Tyler, TX

Lendersa® is committed to securing the optimal USDA or FHA loan for you quickly, with minimal hassle. Choose one of three available options to connect with lenders and relevant USDA loan programs.

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Understanding USDA Loans in TX

A USDA home loan is government-backed by the Department of Agriculture and often referred to as the USDA rural development loan or USDA mortgage. It is available exclusively in rural settings. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage demands no upfront payment.

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Tyler Lenders
(972) 347-9224 Lender's profile and map Horizon Lending Services 11411 Cedar Glen, Flint, TX, 75762 Lends in Texas Horizon Lending Services LLC specialize in Texas and California VA home loans and Reverse Mortgages. We take pride in being recognized as a premier mortgage broker offering a wide array of products. We want you to turn the home of your dreams in the reality. Horizon Lending wants to give you the best options so you can make the right decision
(903) 581-1900 Lender's profile and map Citizens 1st Bank 2001 East South East Loop 323, Tyler, TX, 75701 Lends in Texas 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.
(903) 592-8012 Lender's profile and map Tyler City Employees Credit Union 3711 Frankston Highway, Tyler, TX, 75701 Lends in Texas 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
(903) 561-2603 Lender's profile and map Cooperative Teachers Credit Union 1424 WSW Loop 323, Tyler, TX, 75701 Lends in Texas 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.
(512) 643-1385 Lender's profile and map Atlas Credit Co, Inc. 2210 W Grande Blvd, Tyler, TX, 75703 Lends in Texas Our unique loan process allows you to e-sign your loan documents, receive your money directly into your bank account and offers you the option of paying over the phone with a debit card. No hassles, no gimmicks, no hidden fees. We offer plain and simple installment loans. and also Atlas Credit, we understand that life is busy and you don't always
(903) 595-3604 Lender's profile and map United Credit Union 4901 Old Jacksonville Highway, Tyler, TX, 75703 Lends in Texas United Credit Union opens a financial world to experience banking as it should be. Credit unions will generally have lower rates on loans and higher rates on savings and investments. At United we believe in offering our members a choice. Choose from a variety of online services and in person services. It's about YOU and what YOU need.
(903) 597-7291 Lender's profile and map Kelly Community Federal Credit Union 2105 West Grande Boulevard, Tyler, TX, 75703 Lends in Texas Kelly Community, “We care for members like family.” When you’re a member, you’re family. We’ll give you our best financial counsel just like we would a family member. We’ll go out of our way to find solutions that work for you just like we would a family member. For more than 59 years, helping you save more, earn more and do more financially
(903) 561-6617 Lender's profile and map BTH Bank 6657 Old Jacksonville Hwy, Tyler, TX, 75703 Lends in Texas BTH Bank has over 107 years of history and maintains an equity ratio well above regulatory guidelines. In 2013, approximately 185 subscribers invested $42 million new equity into the bank. Those shareholders as well as the then approximately 400 existing shareholders have illustrated their respect
(903) 871-7087 Lender's profile and map Home Life Lending 7922 S Broadway Ave, Tyler, TX, 75703 Lends in Texas We are committed to helping you and putting your best interests first! Each client is unique and viewed as an opportunity to add value by finding the best loan product for each individual borrower’s specific financial goals, offering wholesale pricing on interest rates and the lowest transaction costs, while providing financial education.