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.
Members Choice Credit Union is a full-service financial institution based in Houston, Texas. We have been in business for over 80 years. Our rich history is directly related to our financial stability and our dedication to serving the needs of our members, first and foremost. Since our founding in 1941
Refugio County Federal Credit Union, founded in 1958, is a federally insured, member owned, not-for-profit financial institution whose purpose is to promote the financial well-being of its members. We serve the three school districts in Refugio County which include Refugio ISD, Woodsboro ISD, and Austwell-Tivoli ISD.
Southern Star Credit Union has been open since 1953. The credit union has assets totaling $21.71 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
First Service Credit Union is proud to say that we’re “For You, Not Profit.” We put our commitment to customers front & center. As a not-for-profit financial cooperative, First Service was started with a distinct purpose: to serve our members and help them reach their financial goals without having to worry about paying investors or shareholders.
1400 Broadfield Boulevard, Suite 200, Houston, TX, 77084
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
1400 Broadfield Boulevard, Suite 200, Houston, TX, 77084
Texas Finance is composed of native Texans on a mission. We are dedicated to offering you the best loans available, tailored just for you. Our promise is to keep your needs and well being the foremost item in obtaining your loan. We will always tell it like it is and promise -- no surprises at the closing table.
Bennett Home Mortgage, LLC believe in working hard to get the job done. Our leaders set the example, and it's this example that encourages the entire team to reach for the goal of greatness. Together, we work hard to be leaders in the industry, to stand out from the competition, and, above all, to make sure our customers are satisfied.
Cal-Com Federal Credit Union is currently over $100 million in assets and has over 15, 000 members. We serve the people who live, work, worship, or attend school in, and businesses and other legal entities located in Calhoun, DeWitt, Goliad, Jackson, Lavaca, Refugio and Victoria counties.
