In 2025, for a single-family home in Allen, located in the county of Collin, TX, the USDA loan limit is $360,600, while the FHA loan cap is $531,300.
Utilize the Lendersa® USDA loan calculator to effectively compare the top USDA versus FHA rates available today. This tool will help you assess the necessary income, credit score, reserves, and documentation for qualification. With our comprehensive mortgage calculator, you can examine USDA, FHA, Conforming, and VA options side-by-side, aiding you in determining which program in Alabama best suits your financial needs.
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| Loan Type | Maximum Loan Limit | Down Payment |
| USDA | $360,600 | 0% |
| FHA | $531,300 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The main objective of Lendersa® is to connect you with the most favorable USDA or FHA loan quickly and without complications. Choose from one of three starting approaches to match with lenders and discover USDA loan programs suited to your needs.
The USDA home loan, often called the USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture. It’s exclusively available in rural neighborhoods. Contrary to FHA loans, which demand a minimum down payment of 3.5%, the USDA mortgage notably requires no down payment, offering a significant financial advantage for eligible rural borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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