USDA Vs. FHA Pro and Con comparison in Canton, Van Zandt County, TX

For 2025, the USDA loan limit in Canton, part of Van Zandt, TX is $336,500, whereas the FHA's limit for a single-family home is $472,030.

Lendersa® USDA loan calculator helps you compare today’s USDA versus FHA top rates and determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, guiding you to select the optimal plan in for your specific financial condition.

Compare loan offers from a pool of 100 lenders

2025 Loan Limits and Downpayment Requirements for Canton, Van Zandt, TX

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

Exploring USDA and FHA Loan Options in Canton, TX

Lendersa® is committed to securing the best USDA or FHA loan for you quickly and hassle-free. Begin with one of three pathways to connect with lenders and access USDA lending programs.

Lendersa USDA loan request and result outcomes

Understanding the USDA Loan in TX

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

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



  • Wright Financial Inc
  • 1108 North Truman Boulevard, Crystal City, MO, 63019
  • Wright Financial Inc. has been in business for over 25 years with experience in the financial industry. Rex and Susan Wright are the owners of the company. We work on effective options, aimed at giving you the best solution. We operate in St. Louis and surrounding areas and specifically Jefferson County.
  • Fletcher and Janz Processing Services
  • 316 South Mckenzie Street, Suite 177, Foley, AL, 36535
  • Our team of highly motivated and skilled LOAs & Processors will work to save you time and energy on your files so you can focus on generating more business. Working your files from beginning to end, our follow up system continues for a year after close of escrow to keep YOU top of mind with your clients. All follow up is sent on your behalf,
  • Valley Bank of Commerce
  • 217 West 2nd Street, Roswell, NM, 88202
  • Valley Bank’s primary mission has been to serve the banking needs of Roswell as well as Chaves County, and this continues to be the primary driving force behind the bank today. Valley Bank is an independent bank and fully intends to remain independent. The bank has built a reputation of conservative soundness that has served it well
  • Pony Express Bank
  • 213 Main St, Braymer, MO, 64624
  • Pony Express Bank operates in two eras. Our banking accounts, products, and online services are cutting edge. But when it comes to customer service, we tend to be old-fashioned. We deal with our customers individually, treating people like people, not numbers. Our customers are our neighbors, after all.
  • First State Bank of Olmsted
  • 0185 N Front St, Olmsted, IL, 62970
  • Since 1921, the First State Bank of Olmsted has been providing financial services and products to Pulaski County and contiguous areas. An application for permission to organize the First State Bank of Olmsted was submitted to Springfield, IL on August 6, 1921. Forty-nine area individuals raised $20,000 in capital stock.
  • Town-Country National Bank
  • 118 Broad St, Camden, AL, 36726
  • Town-Country United Bank offers the highest quality of banking services on the market today. Since 1978, we have provided superior service to our customers and have assisted them in achieving their goals. Our years of experience and commitment to excellence have earned us the reputation as the one of the best in the area
  • Community Neighbor Bank
  • 3 Water St, Camden, AL, 36726
  • Chartered in May 1906, Camden National Bank was founded to provide Wilcox County with a bank of its own. Largely ignored by bigger-city banks, families and business owners throughout the area came to rely on Camden National Bank for responsive solutions to their unique financial needs.
  • Your hometown federal credit union
  • 2338 State Route 45 N, Mayfield, KY, 42066
  • Your Hometown Federal Credit Union has been open since 1965. The credit union has assets totaling $27.24 Million and provides banking services to more than 2,000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • First Kentucky Bank
  • 223 South 6th Street, Mayfield, KY, 42066
  • First Kentucky Bank was founded in Mayfield, Kentucky, on March 6, 1899, as The Exchange Bank. First Kentucky Bank was established with a foundation of community-minded service and professional excellence that has allowed it to grow throughout its rich history, in times of both prosperity and adversity.
  • River Valley AgCredit
  • 408 East Broadway, Mayfield, KY, 42066
  • River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee with a total of 14 Service Centers conveniently located to serve you. We have more than $475 million in loans outstanding to more than 5, 000 members
  • Wayne County Bank
  • 216 South High Street, Hwy 64 W, Waynesboro, TN, 38485
  • The Wayne County Bank came into existence the year America entered WWI in 1914. The story of the Wayne County Bank until 1962 was the story of James L. Morrow. “Mr. Jim” was the prime mover in the organization of the bank. He served as cashier for 48 years and was a guiding force until his death in 1962. Mr. Morrow, the son of D.N.