In 2026, the USDA loan limit for Bowie in Montague county, TX, is set at $336,500. Meanwhile, the limit for an FHA loan for a single-family home is $472,030.
To accurately determine the best USDA versus FHA rates for today, utilize the Lendersa® USDA loan calculator. This tool evaluates the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a comprehensive comparison of USDA, FHA, Conforming, and VA loans side-by-side, aiding you in selecting the most suitable program in Alabama specifically based on your financial situation.
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| Loan Type | Loan Limit | Down Payment |
|---|---|---|
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to ensure you acquire the best USDA or FHA loans quickly and without hassle. You can begin with one of three approaches that connect you to suitable lenders and USDA loan programs efficiently.
A USDA home loan is a government-backed mortgage offered by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans do not demand any down payment, providing significant upfront savings for those meeting the eligibility criteria.
Enter your location to find out if it qualifies for USDA rural housing loan?
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