In 2026, the USDA loan limit for Breckenridge in Stephens county, TX, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator for a comprehensive comparison of today's USDA and FHA rates. Assess income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to aid your decision-making regarding which program in <Alabama> best suits your financial situation.
Loan Limits and Down Payment Requirements for 2026 in Breckenridge, Stephens County, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Breckenridge, TX
Lendersa® aims to provide the best possible USDA or FHA loan quickly and with ease. Choose one of three options to connect with lenders and USDA programs that fit your needs.
A USDA home loan is a government-backed mortgage provided via the Department of Agriculture, often referred to as a USDA rural development loan. It is available solely in rural areas and, unlike FHA loans that necessitate a minimum 3.5% down payment, requires no down payment.
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