USDA VS FHA in Bryan, Brazos County, TX

For the year 2026, the USDA loan limit in Bryan, within Brazos County, TX, is set at $336,500, whereas the FHA loan cap for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast the latest USDA against FHA prime rates. This tool helps you figure out the required income, credit status, reserves, and documentation for eligibility. Our innovative mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, allowing you to choose which option in Alabama suits your financial needs best.

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2026 Loan Ceilings and Downpayment Criteria in Bryan, covering Brazos County, TX

Loan Category Maximum Amount Downpayment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Bryan, TX

The mission of Lendersa® is to facilitate acquiring the best USDA or FHA loans quickly and without complications. You can start with any of the three options we provide to connect with lenders and specific USDA loan programs.

Lendersa USDA loan application and matched 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, designated for rural communities only. They differ from FHA loans, which require at least a 3.5% downpayment, while USDA loans require none.

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



  • 3 Keys Lending, LLC
  • 12349 South Pagano Lane, Herriman, UT, 84096
  • At 3 Keys Lending, LLC, our mission is to help homeowners and future homeowners get the absolute best mortgage rates and options when buying or refinancing their home. Through a little education, we can help you save thousands of dollars on your loan by teaching you the 3 Keys of Lending.

  • Dollar Loan Center
  • 1789 W 7800 S, West Jordan, UT, 84088
  • This is Dollar Loan Center your Community Short-Term, personal loan provider with 57 locations across Nevada and Utah. Established in 1998, we’re the top provider of signature loans in the cash loan industry. The success of DLC signature loans is due to our competitive interest rate

  • First Fidelity Financial Services
  • 8821 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • First Fidelity Financial Services™ is owned and operated by Bryan Pettit a Certified Mortgage Planner who through tested and proven principles, delivers consistent, stable, insights and results into all aspects of residential mortgage lending, (home purchases, refinances and reverse mortgages).

  • Reverse Freedom LLC
  • 9089 S 1300 W, Suite 110, West Jordan, UT, 84088
  • Reverse Freedom Mortgage is a Utah owned and operated company headquartered in West Jordan, Utah. Our name says it all – since 2008 our only line of business is Reverse Mortgages. We are passionate about these products and about our clients who benefit from the programs we utilize to help secure a stronger retirement plan.

  • Secure Mortgage LLC
  • 8537 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.

  • 1st Source Funding, Inc
  • 8537 S Redwood Road, Suite A-3, West Jordan, UT, 84088
  • We provide quality real estate financing. With a proven track record of success in conventional and government loans, we have become one of the fastest growing full-service Mortgage Broker in the State of Utah. Our loan specialists are serious about customer service & go above & beyond to provide personal & attentive service our clients deserve.

  • Do Hard Money
  • 8846 South Redwood Road, #C212, West Jordan, UT, 84088
  • "DoHardMoney provides financing for Real Estate Investors, including new investors. Our funding options can be used for single family residence fix and flip investments, as well as home refinances.

    We fund loans within 5-14 business days, and we offer loans for up to 8 months with no payments for up to 6 months. "

  • Health Advantage Credit Union
  • 4550 State St, Saginaw, MI, 48603
  • Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors or self-employed persons who regularly work in Healthcare Industry in the State of Michigan.Also, spouses of persons who have died while within the Healthcare Industry; employees of the credit union; retirees from the healthcare industry.

  • Jolt Credit Union
  • 6180 State St., Saginaw, MI, 48603
  • Formerly Catholic Federal Credit Union, as Jolt Credit Union our commitment to this community, our members & our values is a reflection of all that has come before.Originally chartered in 1956 to serve parishioners of St. Mary's Cathedral Federal Credit Union in Saginaw, Mi, Jolt Credit Union continues to be bolstered by our longstanding philosophy