USDA Vs. FHA your options comparison in West-University-Place, Harris County, TX

For 2025, the USDA loan limit in West-University-Place, part of Harris county, TX, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare the current leading rates for USDA and FHA loans and check the required income, credit, reserves, and documentation for qualification. Our advanced mortgage tool offers side-by-side comparisons of USDA, FHA, Conforming, and VA options, enabling you to choose the most suitable program for your financial circumstances in .

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in West-University-Place, Harris, 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 Options in West-University-Place, TX

Lendersa® aims to provide you with the best USDA or FHA loan quickly and easily. Start with any of the three options to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in TX?

The USDA home loan is backed by the Department of Agriculture, also termed the USDA rural development loan or USDA mortgage. It's exclusively available in rural areas. Unlike FHA loans necessitating a minimum 3.5% down payment, the USDA loan requires no down payment.

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



  • Roanoke Rapids Savings Bank
  • 325 Becker Drive, Roanoke Rapids, NC, 27870
  • Roanoke Rapids Savings Bank is a mutual chartered bank. Our strength comes from our ability to focus on the banking needs of our customers, and not those of stockholders. The Bank was founded in 1914 as Roanoke Rapids Building and Loan with an office in downtown Roanoke Rapids. We are DEDICATED to our work and the clients we help each day.
  • Kellum Mortgage
  • 27560 Groesbeck Hwy, Suite 2, Roseville, MI, 48066
  • We fund hard money commercial loans. With over fifty Private Lenders. Even in these tough economic times KCG is able to fund difficult hard money commercial loans that most other lenders would turn down. Special Circumstance Financing Structures are available for almost any type of commercial real estate, that cannot be funded
  • Hassarloans
  • 12315 E 14 Mile Rd, Sterling Heights, MI, 48312
  • Our mission is to serve all customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients with more options while providing them with the lowest interest rates and closing costs. Everyone can obtain Mortgage financing whether you have the best or worst credit situations.
  • New Inception Mortgage LLC
  • 33887 Oakwood Drive, Sterling Heights, MI, 48312
  • At New Inception Mortgage, you can expect friendly, professional advice and clear explanations of all of our available mortgage products, including our ARMs. We will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.
  • Verity Loans LLC
  • 31320 Solon Road, Suite 17, Solon, OH, 44139
  • "Introducing one of the best new mortgage firms with decades of experience. Our people are dedicated to providing you a better loan with better service. We make the difference. Each one of us brings something special to work every day. We cover all the bases in your search for excellent service and competitive rates."
  • M & M Funding LLC
  • 30505 Bainbridge Rd, Suite 205, Solon, OH, 44139
  • At M&M Funding, we're committed to providing our clients with an experienced staff offering expertise in every area of mortgage lending... from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan.
  • Coastal Finance Co
  • 777 W. Corbett Avenue, Swansboro, NC, 28584
  • Coastal Finance Company (CFC) strives to make a difference in this world through the financial industry by investing in people. We stand beside our clients empowering them to strengthen and improve their financial future. We are proud members of RLNC and AFSA. Our team of professionals takes pride in treating people the way we like to be treated.
  • Utah Independent Bank
  • 55 South State Street, Salina, UT, 84654
  • Utah Independent Bank was established in Salina, Utah and opened for business in August 1977. Utah Independent Bank is the only locally owned bank in the counties of Sevier and Beaver. We currently have four locations to serve the needs of our customers; they are located in Beaver, Milford, Monroe, and Salina, Utah. All locations provide full-servi
  • Lake Pointe Mortgage, L.L.C
  • 27735 Jefferson Ave, Saint Clair Shores, MI, 48081
  • 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 by utilizing the 23 years of experience.
  • Filer Credit Union
  • 1117 28th Street, Manistee, MI, 49660
  • Filer Credit Union first opened its doors in 1951 in an office at the American Box Board Company (currently PCA). The credit union has long since moved out of the plant, but we will never forget our roots or the men and women who first introduced the credit union movement to our area. Interestingly enough
  • Hancock County Savings Bank
  • 351 Carolina Avenue, Chester, WV, 26034
  • The state-chartered Hancock County Building and Loan Association was founded on December 31, 1899; and it granted its first mortgage loan in the amount of $1, 000 in 1900. In 1934, the company obtained its federal banking charter and then converted to a federal mutual bank charter in 1991.