In the year 2026, the USDA loan limit for Conroe, located in Montgomery county, TX, is $336,500; meanwhile, for a single-family home, the FHA limit stands at $472,030.
Use the Lendersa® USDA loan calculator to compare USDA and FHA rates today and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you decide which program is best for your financial situation 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® aims to provide the best possible USDA or FHA loan rapidly and without hassle. Choose one of three options to connect with lenders and USDA loan programs.
The USDA home loan is guaranteed by the government Department of Agriculture, commonly known as a USDA rural development loan. It is available exclusively in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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