In 2026, the USDA loan cap for Bonham, within Fannin county, TX, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare current USDA vs. FHA rates, assessing required income, credit, reserves, and documentation for qualification. Use our advanced mortgage calculator to see USDA, FHA, Conforming, and VA options side by side, helping you choose the perfect program for your financial scenario 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% |
At Lendersa®, our aim is to secure you the ideal USDA or FHA loan swiftly and effortlessly. Choose one of three starting points to link up with matched lenders and relevant USDA loan programs.
A USDA home loan, backed by the government's Department of Agriculture, is also known as a USDA rural development loan. It is available only in rural areas, contrasted with FHA loans that need at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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