As of 2026, the USDA loan limit in Commerce, in the county of Hunt, TX, is set at $360,600, whereas the limit for an FHA loan for a single-family residence is $531,300.
To compare today's most favorable USDA and FHA rates, use the Lendersa® USDA loan calculator. Determine the necessary income, credit, reserves, and documentation for qualifying. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side-by-side, helping you choose the optimal program in
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| Loan Type | Limit | Down Payment |
| USDA | $360,600 | 0% |
| FHA | $531,300 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to facilitate a fast, hassle-free USDA or FHA loan acquisition. Choose from three starting paths leading to a match with suitable lenders and USDA loan options.
The USDA home loan is backed by the Department of Agriculture, also known as the USDA rural development or mortgage loan, available only in rural locales. FHA loans require a minimum of 3.5% down payment, but the USDA mortgage does not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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