USDA and FHA Pro and Con in White-Oak, Gregg County, TX
In the year 2026, the USDA loan limit in White-Oak, situated in Gregg, TX, is set at $285,000. In contrast, the FHA loan cap for a single-family residence is $356,362.
With the Lendersa® USDA loan calculator, you can evaluate today's best rates offered by USDA compared to FHA options, helping you determine the necessary income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator allows for a side-by-side view of USDA, FHA, Conforming, and VA loans, supporting your decision-making for the best program in suited for your financial profile.
Discover 2026 Loan Limits and Down Payment Requirements in White-Oak, Gregg, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Programs in White-Oak, TX
The core mission of Lendersa® is to connect you with the most suitable USDA or FHA loan quickly and effortlessly. You can begin with one of three entry points which lead you to matching lenders and tailored USDA loan opportunities.
A USDA home loan is backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available primarily in rural areas. Unlike FHA loans that require a minimum down payment of 3.5% before purchase, USDA loans do not necessitate any down payment.
East Texas Telco Credit Union was organized June 26, 1951, as a state-chartered credit union in a Longview home. The credit union served employees of Southwestern Bell Telephone Company in Longview. As the credit union grew, the location was moved to where the credit union now sits, and another branch in Tyler was added in 1996.
East Texas Professional Credit Union has been open since 1953. The credit union has assets totaling $962.5 Million and provides banking services to more than 79, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans.
Established in 1958, Texas Bank and Trust today stands as one of the state’s strongest independent financial institutions, offering a brand of banking that is as difficult to duplicate as it is easy to recognize.
We pride ourselves on providing technologically advanced products and competitive pricing
America's Mortgage Center specializes helping home buyers get into homes with very little or no money down. Over 20 years experience in FHA, VA, USDA Loans. We help seniors with Reverse Mortgages. Our low rates and low closing cost make all of our mortgage loans affordable for Refinancing, Home Equity Loans. Call us today to get started.
First National Bank of East Texas makes life easier with online services for mortgage loans. Set up a New Account to securely submit an online application. Then, come back anytime and login to review your account, update your profile, check your loan status and more. Our experienced Mortgage Team.
Gilmer National Bank opened for business in 1901 as Farmers and Merchants National Bank. In 1979, the name was changed to more accurately reflect our role as a full service bank. Over the last 100 years, we have grown from a one-room bank in the corner of the courthouse, to the modern facility we have today
Texas Bank first opened its doors for business in May 1973. The bank was originally established in Tatum, Texas by a group of local investors who saw the need for financial services from a community institution that could better serve the town's needs. The bank experienced success and grew steadily.
At VeraBank, we strive to be the preferred financial services provider in the markets we serve. We accomplish this by maintaining our deep community bank roots and independent spirit, while offering outstanding service to our customers, relevant products and efficient channels to use them, delivered by the best
The South Park Mortgage, LLP team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
