USDA and FHA Pro and Con in Bastrop, Bastrop County, TX

In 2025, the USDA loan limit in Bastrop, located in Bastrop County, TX, stands at $386,400, whereas the FHA limit for a single-family home is $571,550.

Use Lendersa®'s USDA loan calculator to assess today's optimal USDA vs. FHA rates, and figure out the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, helping you to select the best suited program in for your financial situation.

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2025 Loan Limits and Downpayment Details in Bastrop, Bastrop, TX

Loan Type Limit Down Payment
USDA $386,400 0%
FHA $571,550 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Bastrop, TX

The mission of Lendersa® is to promptly secure you the finest USDA or FHA loan efficiently. Choose one of three starting paths to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is a government-backed mortgage by the Department of Agriculture, referred to also as a USDA rural development loan or USDA mortgage, offered exclusively in rural areas. It stands out from FHA loans, which necessitate a minimum 3.5% down payment, as USDA loans require none.

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



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