In 2026, the USDA loan cap in Athens, located in Henderson, TX, is $336,500, whereas the limit for FHA on a single-family home is set at $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, identifying the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA options, aiding your decision on which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to connecting you with the best USDA or FHA loans quickly and efficiently. Choose one of three starting strategies to find matching lenders and explore USDA loan programs.
A USDA home loan, secured by the U.S. Department of Agriculture—often known as a USDA rural development loan or USDA mortgage—is accessible solely in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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