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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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