For 2026, the USDA loan ceiling in Cloverleaf of Harris county, TX, is $336,500, whereas the FHA limit for a single-family home stands at $472,030. These figures reflect the maximum loan amounts available in these categories.
Utilize the Lendersa® USDA loan calculator to evaluate today's best rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our enhanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding your decision on the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to getting you the best USDA or FHA loan quickly and effortlessly. Start with one of three approaches to connect you with matching lenders and suitable USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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