USDA Vs. FHA Pro and Con comparison in Clarksville, Red River County, TX

For 2025, the USDA loan limit for Clarksville in Red River county, TX, is $336,500. Meanwhile, the FHA cap for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA with FHA rates. This tool allows you to determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator helps you view USDA, FHA, Conforming, and VA options side by side, ensuring you pick the program best suited to your financial situation in Alabama.

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2025 Loan Limits and Down Payment Criteria in Clarksville, Red River, TX

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

USDA and FHA Loan Choices in Clarksville, TX

Lendersa® is committed to quickly connecting you with the best USDA or FHA loan options. Choose one of three starting strategies to match you with suitable lenders and USDA loan plans.

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Understanding USDA Loans in TX

A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, and it is available only in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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



  • AloStar Bank of Commerce
  • 3595 Grandview Parkway, Suite 425, Birmingham, AL, 35243
  • Alostar Bank Of Commerce is a branch office of Alostar Bank Of Commerce. They provide the following services: Full Service Office Location and are located at 3595 Grandview Parkway, Suite 425 in Birmingham Alabama. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number
  • SouthPoint Bank
  • 3501 Grandview Parkway, Birmingham, AL, 35243
  • SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.
  • Superior Credit Repair
  • 2746 Summit Pl, Birmingham, AL, 35243
  • Our company’s goal is to help anyone who needs a second chance at financial freedom. Superior Credit Repair can help! We do credit repair, adjustments, improvement, debt consolidation, credit disputes and boosting. If you think you have no chance at getting a mortgage, then think again because Superior Credit Repair’s services are here.
  • CSL Financial, LLC
  • 1900 International Park Dr. Suite 50, Birmingham, AL, 35243
  • At CSL, we think that this quote from inventor Thomas Edison illustrates our thinking on manufactured home lending: “The three great essentials to achieve anything worthwhile are, first, hard work; second, stick-to-itiveness; third, common sense.” It all comes down to our unique approach to Common Sense Lending.
  • MCGOWIN-KING MORTGAGE
  • 2 Office Park Cir, Suite 103, Birmingham, AL, 35223
  • Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.
  • ASSURANCE FINANCIAL, LLC
  • 500 Office Park Dr, Suite 410, Birmingham, AL, 35223
  • Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time
  • Davidson Homes. Heritage Mortgage
  • 336 James Record Road, Huntsville, AL, 35824
  • In 2009, Adam Davidson’s vision came to life in the Huntsville, Alabama market. His new home building company, Davidson Homes, offered home buyers quality construction and materials, superior value and an unprecedented level of personalization. He committed himself to building an all-star team of employees
  • NRS Community Development Federal Credit Union
  • 7400 London Ave, Birmingham, AL, 35206
  • Established in 1996, NRS Community Development Federal Credit Union is poised to be the community financial institution of choice for the Birmingham area. Our purpose is to promote thrift, teach wise money management, provide financial products, and assist members in reaching their financial goals.
  • Heritage Bank & Trust
  • 217 South James M. Campbell Boulevard, Columbia, TN, 38401
  • Heritage Bank & Trust is proud to be your community bank serving Maury and Lawrence counties. Offering a broad range of financial services from personal to business needs, Heritage Bank & Trust strives to make your life better. Heritage Bank & Trust has offices in Columbia, Mount Pleasant and Lawrenceburg.