USDA Vs. FHA your options comparison in Whitehouse, Smith County, TX
In 2025, within Whitehouse, the USDA loan limit in Smith county, TX, is $336,500. In comparison, the FHA cap for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. Determine the necessary income, credit score, reserves, and documents required for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, helping you choose the right program in for your specific financial situation.
2025 Loan Limits and Down Payment Requirements in Whitehouse, Smith 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 Whitehouse, TX
Lendersa® is dedicated to securing the best USDA or FHA loan for you efficiently and without hassle. Start with one of three options that connect you with lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, intended for use in rural neighborhoods only. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment at all.
1st Georgia Home Mortgage is located approximately 35 miles North-West of Atlanta, GA in the city of Cartersville. The company is owned by Maurni Weeks Moss 1st Georgia Home Mortgage has been serving clients throughout the state of Georgia with both buying homes as well as refinancing to more affordable mortgage Loans since the year 2001.
Bank of Edmonson County understands the American Dream of home ownership. We have helped many of your neighbors finance the purchase or construction of their homes. We want to help you. Because the purchase of a home is the single most important investment most of us will ever make, a buyer needs to choose the source of financing as carefully as th
Dynamic Mortgage Concepts, Inc is a lender who works for you! Whether you are looking to prequalify to purchase a home, refinance your existing loan, or complete a construction loan, we have products to fit your needs! We offer A-F credit loans, and have access to several national lenders to place your loan with.
CerescoBank was established in 1911 as the Farmers and Merchants Bank of Ceresco and was situated on the corner of South 2nd Street and Elm. The bank has served the Ceresco Community since that time. The present bank building at 130 West Elm Street was completed in 1983, allowing the bank to have a drive-thru banking lane.
Colchester State Bank's Vision is To be a premier financial institution in West Central Illinois by providing quality service and products to our customers and community. Colchester State Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public.
Pitch Edison provides personal mortgages to individuals in Nebraska looking to begin the next chapter in their life. As a local company, we are well versed in all types of loans including, conventional, FHA, USDA, and refinances. Our model allows us to create a custom experience in order to tailor a loan that's right for you!
Cobalt Credit Union is locally owned by its members and recognized for its community involvement. Motivated by member service rather than profit, the credit union’s focus is on providing safety, soundness and convenience to its membership. Cobalt Credit Union is a financial partner for life, helping members with banking, financial planning.
Bank of Doniphan is located directly in the heart of Central Nebraska, founded in 1965 on the principal that treating people right simply never goes out of style.
We firmly believe that by placing our customer’s interest first, we contribute to the financial success of our customers and in turn the communities we serve.
