USDA Loan Vs. FHA loan pro & con 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.

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.

Matched results for Lendersa USDA loan request

Understanding USDA Loans in TX

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.

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(909) 620-0098 Lender's profile and map Reviews Amerisell, Inc. 39 Franciscan Pl, Pomona, CA, 91766 AmeriSell, Inc. provides Real Estate, Loan and Credit Consulting services. We also have a notary public on staff. Over 25 years of experience and excellent service. AmeriSell Mortgage provides the right type of financing for all borrowers. Our goal is to provide you the best possible rates and terms for your needs.
(631) 434-3500 Lender's profile and map Reviews People's Alliance Federal Credit Union 125 Wireless Boulevard, Hauppauge, NY, 11788 Founded in 1940 as the Pan American World Airways Credit Union, PAFCU currently serves 40, 000 employees of over 400 different companies throughout the United States. At PAFCU, there are no customers—everyone is a member and owner of the credit union and receives friendly, respectful service from the staff
(631) 291-9160 Lender's profile and map Reviews Long Island Alliance Federal Credit Union 250 Veterans Memorial Highway, Suite 5A9, Hauppauge, NY, 11788 The Long Island Alliance Federal Credit Union has been in existence since 1938. We started out as the New York Highway Engineers Federal Credit Union and in the early sixties expanded our field of membership to include all New York State Employees who live and work on Long Island.
(631) 382-7310 Lender's profile and map Reviews Lighthouse Mortgage Corporation 527 Townline Road, Suite 305, Hauppauge, NY, 11788 Lighthouse Mortgage Founder/President. Brokered in excess of $600 million in real estate loans, commercial and residential. Hired and trained a staff of 20 sales people and 5 support staff. Developed program to expedite loan process from initial borrower contact through appraisal, underwriting and closing ensuring quick turnaround time.
(631) 851-1100 Lender's profile and map Reviews Island Federal Credit Union 120 Motor Parkway, Hauppauge, NY, 11788 Island Federal Credit Union, headquartered in Hauppauge, N.Y., is a not-for-profit, full-service financial institution, providing affordable banking products and services to Long Islanders. Founded in 1955, Island has grown to be among the top-performing credit unions in New York State with over $1 billion in assets, serving more than 45, 000
(631) 273-1188 Lender's profile and map Reviews Evolution Mortgage Inc 140 Adams Avenue, Suite A5, Hauppauge, NY, 11788 Our team is local to Long Island, and as CPA’s we make sure we get you the loan product that makes the most financial sense for you. We curate a process that is tailored to you and explain where every cent of your money goes because we always do the right thing by our clients. Take advantage of our historically low rates, refinance.
(631) 851-4420 Lender's profile and map Reviews Coltrain Funding Group LLC 140 Fell Court, Suite 101, Hauppauge, NY, 11788 Coltrain Funding Group LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(631) 676-3162 Lender's profile and map Reviews Home Reliance Capital 145 Marcus Blvd Suite 4, Hauppauge, NY, 11788 Our mortgage rates have consistently been some of the most competitive in New York, if not the lowest. Our success is based upon our strong level of commitment to our clients. We take the time to get to know you through personal attention and communication.We remember that we work for YOU, not the other way around.
(516) 246-6353 Lender's profile and map Reviews RCG Mortgage 490 Wheeler Rd, Suite 252, Hauppauge, NY, 11788 Mortgage broker based in Long Island, New York who prides themselves on their transparency, accountability, and ability to provide a "Nordstrom" experience with the efficiency of a "Ford" assembly line. RCG works with all clients, no matter what their financial goals may be.RCG Mortgage is your online resource for personalized mortgage solutions.
(203) 830-4390 Lender's profile and map Reviews Savings Bank of Danbury 220 Main Street, Danbury, CT, 06810 Savings Bank of Danbury is a full-service Connecticut community bank rooted in history and positioned for the future. Founded in 1849 under the same name, we have grown and adapted to serve our customers while building a reputation for financial stability, personal service and modern convenience.
(866) 872-1866 Lender's profile and map Reviews UNION SAVINGS BANK 225 Main Street, Danbury, CT, 06810 USB is a mutual financial services organization committed to building lasting relationships that exceed the expectations of our customers & the communities we serve. We build lasting relationships that enrich the lives of our customers and communities. We are committed to professionalism, & our integrity & ethical standards will not be compromised.
(203) 903-0060 Lender's profile and map Reviews GML Group 429 Main Street, Suite 1, Danbury, CT, 06810 At Global Mortgage Lending, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.