In 2026, the USDA loan ceiling in Buda, located in Hays County, TX, is $386,400, while the FHA limit for a single-family home is $571,550.
Utilize Lendersa®’s USDA loan calculator to evaluate today's optimal USDA versus FHA rates, and determine the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, helping you decide which option in suits your financial needs best.
2026 Loan Limits and Downpayment Requirements in Buda, Hays, TX
Loan Type
Loan Limit
Down Payment
USDA
$386,400
0%
FHA
$571,550
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Buda, TX
The goal of Lendersa® is to secure the best USDA or FHA loan quickly and without hassle. Choose one of three starting options that connect you with matching lenders and USDA loan programs.
A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it's available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
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Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
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