In 2026, the USDA loan limit for Austin, in Travis County, TX, is $386,400, whereas the FHA limit for a single-family home is $571,550.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, determining the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs to aid in selecting the optimal program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Austin, County of Travis, TX
Loan Type
Loan Limit
Down Payment
USDA
$386,400
0%
FHA
$571,550
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Austin, TX
The aim of Lendersa® is to secure for you the best USDA or FHA loan quickly and effortlessly. Choose from one of three introductory paths that lead you to matching lenders and relevant USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans demand no down payment.
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Lends in Texas
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1200 Barton Creek Blvd, Unit 64, Austin, TX, 78735
Lends in Texas
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5307 Highway 290 West, Building B, Suite 5, Austin, TX, 78735
Lends in Texas
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5506 West Highway 290, Suite 300, Austin, TX, 78735
Lends in Texas
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