USDA Vs. FHA Pro and Con comparison in Wharton, Wharton County, TX
In 2026, the USDA loan cap in Wharton, located in Wharton county, TX, is set at $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's finest USDA against FHA rates. Identify the required income, credit, reserves, and necessary documents for qualification. With our advanced mortgage calculator, observe USDA, FHA, Conforming, and VA options for comparison, aiding you in selecting the optimal program in that suits your financial plan.
2026 Loan Limits and Down Payment Requirements in Wharton, Wharton County, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Wharton, TX
Lendersa® aims to swiftly secure the most advantageous USDA or FHA loan with minimal hassle. Choose from one of three approaches to connect with lenders and USDA loan offerings.
A USDA home loan, guaranteed by the government’s Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is exclusively available for rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
WCTCU has been serving Wharton County educators and their families for over 65 years. WCTCU received its charter on September 4, 1953. Since its founding, it has provided financial services to employees of Wharton County Junior College and employees of the five independent school districts in Wharton County
Texasgulf FCU served the employees and their families of the Texasgulf Sulphur Company in New Gulf, Texas. Texasgulf FCU continued to exclusively serve the employees of the sulphur company and their families for fifty-five years until the sulphur reserves started to deplete Texasgulf FCU now services over 13, 000 members and has $125 million in ass
Old Ocean Federal Credit Union was established in 1949. We are a federally chartered credit union, abiding to the strict regulations monitored and enforced by the National Credit Union Administration (NCUA). NCUA also insures each member’s deposits for up to $250, 000. You can rest assured your money is in a safe place.
Wallis Bank is a full service community bank with locations in Houston, Dallas, San Antonio, Los Angeles, and Atlanta. At Wallis Bank, our mission is to provide you with financial services that are unsurpassed in customer satisfaction. What makes Wallis Bank unique is our ability to serve the small rural customers to large international customers.
Matagorda County Credit Union is member-owned and exists to promote financial security through savings, lending, financial education and other financial services. The membership will have available sound, cost-effective services which reflect their changing needs. We will support our membership and the community in which we live.
Baycel Federal Credit Union is a member owned, federally chartered financial institution. It is regulated by Federal standards and examined by Federal examiners. Being member owned, it is independent and is governed by an elected Board of Directors. The credit union is a success - your success - because of member participation.
As a certified broker Jennifer Brown have beenhelping the people of Houston understand and navigate the complex process of buying or refinancing a property. My services help clients secure the necessary financing for one of life’s most significant purchases. Jennifer committed to easing your concerns and addressing all of your mortgage needs.
The Mission of Houston Federal Credit Union is to “Be our members’ advocate by helping them achieve their dreams with personalized financial solutions”. Our Mission Statement was adopted in February 2007. Originally chartered as Fluor Mid-Continent Employees Federal Credit Union, HFCU now has the strength of over $700 million in assets.
