USDA and FHA Pro and Con in Bryan, Brazos County, TX

For the year 2025, 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.

Explore loan deals from 100 lenders

2025 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?



  • The Ken Phillips Team @ ALCOVA Mortgage
  • 8647 Baypine Road, Suite 203, bldg. 1, Jacksonville, FL, 32256
  • ALCOVA Mortgage LLC | NMLS#40508 | (www.nmlsconsumeraccess.org) Licensed in AL, CO, DC, FL, GA (License #42101), KY, MD, NC, OH, PA, SC, TN, VA, WV | 308 Market St SE, Roanoke, VA 24011 We take the hassle out of homebuying so you can get back to focusing on what matters most! Life moves fast, and so do you.
  • Publix Employees Federal Credit Union
  • 3005 New Tampa Highway, Lakeland, FL, 33815
  • Publix Employees Federal Credit Union (PEFCU) is a member-owned co-operative that was founded in 1957 to meet the financial needs of current and retired Publix Super Markets Inc. associates and their family members. PEFCU, with over $1 billion in assets, is ranked in the top five percent of credit unions nation-wide.
  • Ardis Limited Inc
  • 505 Martin Luther King Jr. Avenue, Lakeland, FL, 33815
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • The Bath State Bank
  • 3095 Bath Road, Bath, IN, 47010
  • "At Bath State Bank, our community extends beyond the Indiana ""town limits"" of Bath, West College Corner and Liberty. We support numerous endeavors and volunteer with various organizations in Indiana and Ohio to help build a stronger community. We are ""The Bank by the Side of the Road that is Always a Friend."""
  • Mortgage Loan Direct Inc
  • 15255 South 94th Avenue, Suite 519, Orland Park, IL, 60462
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Avalon Mortgage Services Inc
  • 9439 West 144th Place, Orland Park, IL, 60462
  • Avalon Mortgage Services, Inc. offer personalized service & some of the most competitive rates in the mortgage industry. Our clients continue to recommend us because of our experience & knowledge of every aspect of the mortgage business & real estate market. Our expertise makes the purchase or sale of our client's homes & investment properties.
  • Childrens Medical Center Federal Credit Union
  • 3333 Burnet Avenue, Cincinnati, OH, 45229
  • Children’s Medical Center Federal Credit Union is a member-owned and operated credit union. The mission of Children’s Medical Center Federal Credit Union is: To promote fiscal responsibility among our members, To increase the knowledge and ability of our members to manage and control their financial well- being
  • Nebraska Rural Community Fcu
  • 127 Center Avenue, Morrill, NE, 69358
  • The Nebraska Rural Community Federal Credit Union was established in 2003 to provide exceptional community development, financial and financial education services delivered by knowledgeable people with integrity, enthusiasm, and respect. Our services include: share accounts, share certificates, financial counseling, personal loans, etc
  • Royalty Elite Mortgage Corp
  • 19624 Governors Highway, Suite 1, Flossmoor, IL, 60422
  • Royalty Elite Mortgage Corp. is a Residential/Commercial mortgage brokerage company based in Flossmoor, Illinois. We serve as a premier provider of financial and strategic support for all of your real estate financing needs. Your home mortgage is a major financial commitment, and one of the most important decisions you'll make.