USDA and FHA Pro and Con in Cleburne, Johnson County, TX
As of 2025, the USDA loan limit in Cleburne, located in the county of Johnson, TX, is $360,600. By contrast, the FHA limit for a single-family home is $531,300.
Leverage the Lendersa® USDA loan calculator to assess today’s USDA versus FHA rates, establishing the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding your choice of the best program in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Cleburne, County of Johnson, TX
Loan Type
Loan Limit
Down Payment
USDA
$360,600
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Cleburne, TX
Lendersa® strives to help you obtain the best USDA or FHA loan promptly and without hassle. Start with one of three approaches to match with lenders and explore USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, a USDA mortgage demands no down payment at all.
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