USDA and FHA Pro and Con in Bellmead, McLennan County, TX
In 2026, within McLennan, TX, the USDA loan limit for Bellmead is $336,500, while for a single-family home, the FHA cap is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the current top USDA versus FHA rates and identify the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, aiding your decision in selecting the best program in for your financial situation.
2026 Loan Limits and Downpayment Requirements in Bellmead, McLennan, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Bellmead, TX
Lendersa® aims to swiftly secure the most suitable USDA or FHA loan for you, without hassle. Begin with one of three approaches to match with lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is a government-backed loan provided by the Department of Agriculture, exclusively available in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans have no down payment requirement.
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