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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $386,400 | 0% |
| FHA | $571,550 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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