USDA Vs. FHA Pro and Con comparison in College-Station, Brazos County, TX

For 2026, the USDA loan limit in College-Station, located within Brazos County, TX, is $285,000, whereas the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today, and determine the necessary income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA programs side by side, helping you decide which option best fits your financial situation in .

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2026 Loan Limits and Downpayment Requirements in College-Station, Brazos County, TX

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in College-Station, TX

Lendersa® is dedicated to providing you with the most suitable USDA or FHA loan quickly and without hassle. Select from three starting paths to get matched with compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in TX

A USDA home loan is guaranteed by the government and issued by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.

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



  • Columbus Capital Lending - Tamiami
  • 9955 N Kendall Drive, 2nd Floor, Miami, FL, 33176
  • Columbus Capital Lending is the premier mortgage lender in the Hispanic market. Its headquarters are located in Miami Florida, with licenses in Florida, Texas, California, Illinois, North Carolina, Georgia, Michigan, and Colorado. The mission at Columbus is to strengthen America’s social fabric through sustainable homeownership.

  • Hiawatha National Bank
  • 220 East Oak Street, Glenwood City, WI, 54013
  • Hiawatha National Bank Operator of a regional bank in Wisconsin, United States. The company offers services like personal and business banking services, loan products that include personal loans, mortgages, lines of credit, certificates of deposits along with several other banking services like telebanking and safe depositories.

  • 1st Med Transitions
  • 2641 E. Atlantic Blvd, Suite 310, Pompano Beach, FL, 33062
  • 1st Med Transitions, LLC is a privately held nationwide dental practice brokerage specializing solely in Dental Practice Sales & Transitions. We pride ourselves on being a tech-driven brokerage offering sellers a smarter, more efficient way to sell their dental practice Our clients are primarily dental practitioners located throughout the United St

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  • 1st Med Financial was inspired after observing the growing need for financing specialist within the healthcare practice industry. With new practice specific financing programs and terms being offered, the typical healthcare practitioner was given more options to structure financing leading to a more advantageous financial position.

  • AMERIDREAM FUNDING GROUP INC
  • 3350 East Atlantic Blvd. Suite 211 & 212, Pompano Beach, FL, 33062
  • AmeriDream, we strive to get you the best residential mortgage rates competitive in South Florida. When you work with AmeriDream, a dedicated professional will walk you through the mortgage loan process and help you secure the most favorable rate possible.and AmeriDream, we’ll take the time to evaluate your credit history.

  • Phoenix Funded
  • 4466 Ficus Street, Hollywood, FL, 33021
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    Phoenix Funded provides real estate investors, commercial property buyers, and business owners with tailored financing solutions nationwide. Whether you're funding a Fix & Flip, Rental, New Construction, Commercial Acquisition, or Business Expansion, we offer

  • Memorial Employees Federal Credit Union
  • 3501 Johnson Street, Hollywood, FL, 33021
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  • First Southeast Mortgage Corporation
  • 3837 Hollywood Blvd, Suite A, Hollywood, FL, 33021
  • "We offer some of the lowest rates and fees in the industry. We can almost always offer lower rates than a retail bank or other mortgage companies. We work with multiple lenders to offer you the best possible rates and programs.

    We represent YOU, not the lender. We’re available when and where YOU need us, evenings and weekends included."