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San Jacinto County, Texas (FedHome Loan Centers)

The 2019 $0 down, federal home loan limit for San Jacinto County is $314,827.

San Jacinto County encompasses the vast majority of the public land reserved for Sam Houston National Forest. Its northern and eastern boundaries also end at the shoreline of Trinity River and Lake Livingston. The county has a population of 25,385 and total land size of 628 square miles. The county seat is Coldspring.

The name of San Jacinto County derives from the Battle of San Jacinto, which secured Texas independence from Mexico in 1836. Therefore, plenty of history exists within the county to honor the establishment of the Republic of Texas. Stephen F. Austin established his first colony in modern-day Coldspring. 

Coldspring serves as the county seat in San Jacinto County. It is a tiny community with a population of under 1,000 people. Coldspring is named after the river that runs through the small town. Even though Coldspring is tiny it is often recognized as a gateway for outdoor recreation. In addition to Sam Houston National Forest, Coldspring also has 25 golf courses within a 50-mile radius of the town. Golfing is popular in Texas given its mild temperatures where players can hit the links year-round. 

Additionally, Coldspring offers a quick passage to Lake Livingston and Double Lake recreation areas. Both spots are very popular for hiking, fishing, boating, and camping. Coldspring is also rich in history with a number of vintage buildings, some of which date back to late-19th century architecture. The town square is the place to visit for antiques and dining. Coldspring uses the Coldspring-Oakhurst Consolidated Independent School District to manage its public education. 

Shepherd is the largest town in San Jacinto County with a population of just 2,320. Though one in four residents of Shepherd currently live in poverty there are plans to help restore more economic opportunities in the remote land. The small town is serviced by the Shepherd Independent School District. Its notable former or current residents include season 12 finalist of “American Idol” Amber Holcomb, as well as Ernest Bailes (Texas State Representative) and Tyler Kolek (semi-pro baseball player).

San Jacinto County occupies more than half of the territory reserved as Sam Houston National Forest. Sam Houston National Forest is one of only four national forests in the state. It is frequently traveled by foot where the Lone Star Hiking Trail is divided into three sections culminating in nearly 130 miles of exploration. 

Furthermore, camping is available in multiple spots along the vast public use area that contains over 163,000 acres. Lake Livingston is situated directly north and east of San Jacinto County. The man-made reservoir was created in 1966. It is the second largest lake located entirely in Texas. Livingston Lake has more than 450 miles of accessible shoreline in San Jacinto County, as well as Polk, Trinity, and Walker counties.  

The area is popular for canoeing and paddle boats. The Double Lake Recreation Area provides more opportunities for boating as well as other activities like hiking, picnicking, and camping. Black bass is the most popular species of fish to pursue both at Lake Livingston and Lake Conroe. Hunting is also permitted during certain seasons. 


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San Jacinto County Property Search 

Coldspring, Oakhurst, Pointblank, Shepherd 

77331, 77359, 77364, 77371 

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San Jacinto County Condo Search 

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San Jacinto County Loan Limits  

FHA: $314,827 

USDA: $251,862 

VA: $484,350 


FHA Loan Limits

One-Unit: $314,827 

Two-Units: $403,125 

Three-Units: $487,250 

Four-Units: $605,525 


USDA Loan Limit 

Very Low Income: $34,650 

Low Income: $55,450 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes: 77331, 77359, 77364, and 77371

Contact FedHome Loan Centers at 877-432-5626 for more information and to confirm eligibility.