USDA Loan Vs. FHA loan pro & con Van-Alstyne, Grayson County, TX

During 2025, the USDA loan ceiling in Van-Alstyne, situated in Grayson county, TX, is $285,000. Comparatively, for a single-family home, the FHA limit is $356,362. These limits play a pivotal role for prospective homeowners seeking out financing options in these locations, directly impacting the spectrum of home values accessible to them.

Engage with the Lendersa® USDA loan calculator to scrutinize the best available rates between USDA and FHA loans in today's market. It helps you establish the required income, credit, reserves, and documentation to qualify. Our comprehensive mortgage calculator offers a side-by-side analysis of USDA, FHA, Conforming, and VA loans, helping you pinpoint the most suitable program in for your financial needs. This detailed overview empowers you to make a well-informed decision on the optimal loan option aligning with your current financial scenario.

Discover numerous loan offers from a selection of 100 lenders as the first step in procuring the best financing solution.

2025 Loan Limits and Downpayment Requirements in Van-Alstyne, Grayson County, TX

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

These limits reflect broader economic influences and policy regulations, aiming to aid potential buyers in making informed financial choices that match their personal fiscal strategies and enable efficient planning.

Exploring USDA and FHA Loan Opportunities in Van-Alstyne, TX

Lendersa® strives to connect you with the finest USDA or FHA loans quickly and seamlessly. Begin by selecting from one of three distinct pathways tailored to align you perfectly with lenders, and explore associated USDA loan offerings. These choices are methodically crafted to simplify what can often be a convoluted mortgage landscape, providing the guidance you need to navigate successfully toward the best mortgage option available.

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Understanding USDA Loans in TX

The USDA home loan, often referred to simply as the USDA rural development loan or mortgage, is endorsed by the U.S. Department of Agriculture. This type of loan is solely offered in rural areas and does not necessitate a down payment, unlike FHA loans which demand a minimum of 3.5% down. This absence of upfront cost makes USDA loans particularly appealing for those considering rural home ownership, significantly reducing the initial financial barrier to buying a home.

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(601) 636-4434 Lender's profile and map Reviews Vickswood Federal Credit Union 107 Thalweg Drive, Vicksburg, MS, 39183 On October 1967, eight employees of the International Paper Company applied for a state charter to establish a credit union to serve the employees of the International Paper Company and their immediate family members living under the same roof, organizations made of the same, and employees of this credit union, with a potential employee
(361) 552-7476 Lender's profile and map Reviews Cal-Com Federal Credit Union 1401 North Virginia, Port Lavaca, TX, 77979 Cal-Com Federal Credit Union is currently over $100 million in assets and has over 15, 000 members. We serve the people who live, work, worship, or attend school in, and businesses and other legal entities located in Calhoun, DeWitt, Goliad, Jackson, Lavaca, Refugio and Victoria counties.
(361) 552-6726 Lender's profile and map Reviews First National Bank in Port Lavaca 1101 South Hwy 35 By-Pass, Port Lavaca, TX, 77979 First National Bank In Port Lavaca is "The Bank that's Good as Gold". With multiple locations, our bank sees that it is very important to remain convenient and accessible when you need it most. We provide services for Personal needs, Business needs and Loans to support your needs and wants.
(870) 523-3601 Lender's profile and map Reviews Merchants and Planters Bank 120 Hazel Street, Newport, AR, 72112 Merchants and Planters Bank traces its roots back to 1946 in Tupelo, Arkansas, when the nation was recovering from World War II. Businesses and agricultural operations were expanding, and the financial needs for local farmers and merchants were also growing as the economy was on a post-war fast track. To help meet those financial needs
(601) 636-7523 Lender's profile and map Reviews Mutual Credit Union 1604 Cherry Street, Vicksburg, MS, 39180 Founded in 1930 and chartered in 1931, Mutual Credit Union is Mississippi's oldest credit union, and one of the Southeast's most respected. Through the years, our State chartered financial institution has grown from humble beginnings into a world class financial services organization with over 20, 000 active members and over $190 million in assets.
(601) 638-3134 Lender's profile and map Reviews Vicksburg Railroad Credit Union 2101 Cherry Street, Vicksburg, MS, 39180 Since its inception in 1934 the Vicksburg Railroad Credit Union has been serving its members in & around the Vicksburg, Mississippi area with exceptional financial products. Even with members living in Louisiana, Texas, Alabama & all throughout Mississippi, we have still kept our focus on providing excellent service & responsiveness to each member.
(870) 994-2311 Lender's profile and map Reviews FNBC 636 Ash Flat Dr, PO Box 8, Ash Flat, AR, 72513 After more than 100 years in business, FNBC demonstrates that a bank can be much greater than its balance sheet; it can be a powerful catalyst for community and individuals to pursue and achieve their highest aspirations. Chartered in 1912, FNBC’s century-long legacy has been forged through diligence, passion and execution.
(662) 884-1199 Lender's profile and map Reviews Planters Bank & Trust Company 212 Catchings Street, Indianola, MS, 38751 Planters Bank & Trust began serving customers in the small community of Ruleville, Mississippi. Throughout our growth, Planters Bank has remained rooted in its mission to dedicate resources to the betterment of our customers and to the communities we live and work.Currently headquartered in Indianola.
(432) 688-7300 Lender's profile and map Reviews MTCU 1505 N Midland Drive, Midland, TX, 79703 At MTCU, our mission statement guides every action we take and decision we make. We believe in the power of defining our purpose. We've always been dedicated to our members, whether they live in Midland, Texas, or other communities, and our mission statement serves as a daily reminder that they are our priority.