USDA Vs. FHA Pro and Con comparison in Brownwood, Brown County, TX

In the year 2025, the USDA loan limit in Brownwood, located in Brown county, TX, is $336,500, whereas the FHA loan limit for a single-family dwelling is $472,030.

Make use of Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today. Also, ascertain the necessary income, creditworthiness, reserves, and documentation required for qualification. Our innovative mortgage calculator lets you compare the USDA, FHA, Conforming, and VA loans side by side, enabling you to decide which option in suits your financial situation best.

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2025 Loan Limits and Down Payment Needs in Brownwood, Brown, TX

Loan Category Maximum Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Navigating USDA and FHA Loan Choices in Brownwood, TX

The goal of Lendersa® is to connect you swiftly with an ideal USDA or FHA loan without unnecessary stress. Start with one of three potential paths that guide you toward lenders and USDA loan schemes.

Lendersa's USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. This type of loan is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, a USDA loan requires no down payment, making it especially appealing for eligible rural homebuyers.

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



  • Central Missouri Community Credit Union
  • 620 N Maguire Street, Warrensburg, MO, 64093
  • Central Missouri Community Credit Union was chartered in 1961 as a credit union for the education community. We now serve a field of membership including all educational employees, college students and high school juniors and seniors in all counties of the University of Central Missouri District.
  • Quarry City Savings and Loan Association
  • 713 PCA Road, Warrensburg, MO, 64093
  • Established in 1890, Quarry City Savings and Loan is a local, community-oriented financial institution providing honest personal service to our customers. Our Mission at Quarry City Savings & Loan is to build and maintain solid relationships with the community we live in and the clients we serve.
  • FAA Federal Credit Union
  • 3920 Whitebrook Drive, Memphis, TN, 38118
  • FAA Federal Credit Union is a not-for-profit, financial cooperative that exists to serve the employees within our various approved service employee groups. Our original charter was established on July 21, 1954, as the Department of Commerce Memphis Employees Federal Credit Union.
  • The First National Bank of Washington
  • 101 C Street, Washington, KS, 66968
  • FNB Washington was originally chartered as a national bank in 1883, the same year the Brooklyn Bridge opened and the year Buffalo Bill Cody debuted his "Wild West Show". We've been around longer than radio, neon lights and crayons, Hershey bars and Duct tape. We were serving customers before Einstein published the Theory of Relativity
  • United Consumers Credit Union
  • 1111 E 23rd Street, Independence, MO, 64050
  • Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments
  • Independence Federal Credit Union
  • 301 West Lexington Avenue, Suite 260, Independence, MO, 64050
  • In 1963 Independence Federal Credit Union was chartered by the Independence Postal Workers to serve any Federal employee that worked in Independence. Over the years we have extended the membership to include the following: Civilian employees and military personnel who work at or are attached to the Lake City Ammunition plant
  • Square One Realty & Property Solutions LLC
  • 800 West Maple Avenue, Independence, MO, 64050
  • Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
  • Camp Shelby Federal Credit Union
  • Warehouse Avenue, Building 82, Camp Shelby, MS, 39407
  • Camp Shelby Federal Credit Union is a not-for-profit, member owned financial institution. Its mission is to serve members’ needs by encouraging savings and offering a reasonable rate of return. The Camp Shelby Federal Credit Union seeks to provide the best possible financial services to its members while maintaining its financial stability.
  • First United Mortgage, LLC
  • 5440 N Oak Trfwy, Suite 200, Kansas City, MO, 64118
  • First United Mortgage, L.L.C. is located in Kansas City, MO, United States and is part of the Activities Related to Credit Intermediation Industry. First United Mortgage, L.L.C. has 8 total employees across all of its locations and generates $2.31 million in sales (USD). (Employees and Sales figures are modelled).