USDA Vs. FHA Pro and Con comparison in Amarillo, Potter County, TX

In 2025, USDA loan limit in Amarillo, county of Potter, TX is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Amarillo, county of Potter, 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 Amarillo, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Summit Home Mortgage, LLC
  • 375 E Horsetooth Rd, Building 2, Suite 201, Fort Collins, CO, 80525
  • Our team is your dedicated mortgage broker located in Fort Collins, Colorado. We believe your mortgage is more than a liability. If designed properly it can be a vital tool in helping you achieve your personal and financial goals. Since your home is likely to be one of your largest assets, and your mortgage your largest debt
  • Integrity Lending Solutions Inc
  • 149 West Harvard Street, Suite 302, Fort Collins, CO, 80525
  • Integrity Lending Solutions Inc, was established in 2005 by Justin Obert and Mark Martino. We are local transplants from Colorado Springs, we both attended Colorado State University and never left the beautiful city of Fort Collins. Once we graduated we came upon the realization that we need to start a career. After learning the ropes.
  • kstate CREDIT UNION (West Branch)
  • 601 McCall Rd, Manhattan, KS, 66502
  • At 9:00 P.M. on January 28th, 1946, our credit union was chartered as Manhattan CO-OP Credit Union and held its first monthly meeting of the Board of Directors. In an effort of helping even more Manhattan citizens, the credit union was moved to the university. The credit union changed its name to College Credit Union.
  • Community First National Bank
  • 215 S. Seth Child Road, Manhattan, KS, 66502
  • Community First National Bank was newly chartered on February 1, 2001 in response to the ownership change of several locally owned banks in the Manhattan market. We spent a great deal of time and put much thought into choosing our Community First name because it represents what we are all about; Community in the sense.
  • First National Bank Cortez
  • 2258 East Main Street, Cortez, CO, 81321
  • In June 1957, approval was given by appropriate governmental agencies for a national bank in Cortez, Colorado. The First National Bank was to be located on the corner of Main and Elm Streets, in the heart of Cortez. The stockholders of J.J. Harris Bank voted to consolidate with First National Bank, Cortez.
  • Mortgage Wizards
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  • Use our loan services to make you a homeowner when you find that perfect home. Mortgage Wizards in Round Rock, Texas, is a mortgage brokering company that offers new loans and loan refinancing. When using our services, you are personally walked through the loan process by our professionals. In addition, you are given suggestions
  • Eddie Fooshang Mortgage Team
  • 1490 Rusk Rd, Suite 401, Round Rock, TX, 78664
  • Eddie Fooshang is a Residential Mortgage Loan Originator. As a teen age boy in Egypt, he was fascinated with America through his favorite show “Walker Texas Ranger”. He dreamt of the day he would move to the USA, & specifically Texas to live the American Dream! His love for America and the American dream made him so passionate about home ownership.
  • Austin Mortgage Associates
  • 1717 N Mays St, Round Rock, TX, 78664
  • Austin Mortgage Associate are a full-service residential mortgage broker providing Texas Home Loans in Austin, Houston, San Antonio, and Dallas and Fort Worth metro areas. We have been serving the needs of the residential mortgage community since 2000. Our customers know us for competitive rates and consistent customer satisfaction
  • FREESTONE CREDIT UNION
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  • Our Mission is to provide quality financial services to our members. We are dedicated to providing loans at reasonable rates, promoting thrift and maintaining financial stability to safeguard the assets of Freestone Credit Union. At the same time, we will offer these services with professionalism, integrity and innovation to provide