USDA Vs. FHA Pro and Con comparison in Austin, Travis County, TX
In 2025, 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 .
2025 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.
Our story began in February of 2008 with the incorporation of First & Farmers National Bank, but our roots in our four communities are much deeper.
Our history can be traced back to Citizens Bank of Albany, located in Clinton County, KY, dating back to 1898; to First National Bank of Columbia, located in Adair County.
Cumberland Security Bank is a locally-owned community bank serving Pulaski County and surrounding counties. We invite you to stop in or give us a call so we can get to know you better. We can then discuss your specific goals and needs to find out how we can start making life better for you as your financial partner.
Citizens National Bank is a locally owned bank that has been serving the people of Pulaski County since 1920. We offer a wide range of products to help you achieve your financial goals, along with a high level of customer service and convenient locations. We have seven locations in Pulaski County, as well as one in Wayne County, Russell County.
For starters, our roots began right here South Dakota. For 130 years, we have earned long-term customer relationships by helping our customers and communities succeed. We pride ourselves in adapting to meet our customers’ changing banking needs — while retaining our hometown values and roots.
State Bank is a single-family locally owned organization, owned by Wayne and Ryan Johnson. In 1980, Wayne Johnson started Everly Bancorporation with the purchase of the Everly State Bank. Since then, State Bank has grown to $70 million in assets, with banking offices in Everly, Peterson,
Our Mission - People First. Service Always. is our niche! As an independent community bank, our mission is to protect the safety of depositors funds through prudent management of risk, provide superior products and services, attract highly skilled, motivated professional employees, and create a fair return on investment to our shareholders.
In 1959 Rio Blanco Schools Federal Credit Union began by the teachers for the teachers to serve the Rangely School District and the Meeker School District. Through the years the scope of our membership has grown. We now accept membership of those who are employees and family members of Rangely and Meeker School Districts.
Farmers National Bank has a long, deep-rooted history as a financial institution. Since February 10, 1879, the bank has served customers in ways that earn their trust and loyalty. As it has helped generations of customers in the Bluegrass state achieve their goals, it is known as Your Lifetime Bank.
