USDA Vs. FHA Pro and Con comparison in Bellmead, McLennan County, TX

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

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.

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



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  • Family First Credit Union is committed to providing equal access to all individuals, including those with disabilities, seeking information on our website. If you are unable to access content on this website, have questions about accessibility of content or technology used by Family First CU
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  • 1991 Lower Roswell Rd, Marietta, GA, 30068
  • Georgia Methodist Federal Credit Union was established in 1960 and served the financial needs of any United Methodist Church member in the North and South Georgia Conferences and their immediate family members. Alabama-West Florida Methodist Credit Union started in 1967, serving the clergy and employees of the AWF Conference
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  • Members Community Credit Union is a $81 million, full-service cooperative financial institution that is owned and operated by its members. We pride ourselves on being not your ‘normal’ financial institution. We love to have fun with our members and try to connect with each one. We opened our membership to the public in 2003.
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  • United Bank is a local bank that was first established in Zebulon, GA, USA. United Bank was originally founded as the Bank of Zebulon in 1905 and later, in 1986, took on the name that it still has today. Though it only had a few branches in its early days of business, United Bank now has over nineteen offices south of the Metro Atlanta area.
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  • 1st Choice Credit Union was founded in 1946 to serve employees of Grady Hospital. Initially, it was named Hospital Authority Credit Union. The organization’s name was changed to 1st Choice Credit Union in 1991. 1st Choice Credit Union is a NCUA insured and CDFI credit union, headquartered on Atlanta’s historic Auburn Avenue.