USDA and FHA Pro and Con in Copperas-Cove, Coryell County, TX

In 2025, the USDA loan limit in Copperas-Cove, located in Coryell county, TX, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today’s top USDA vs. FHA rates. This tool helps determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, supporting your decision on the best financing program in for your unique financial situation.

Check loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Copperas-Cove, County of Coryell, TX

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

Exploring USDA and FHA Loan Options in Copperas-Cove, TX

Lendersa® aims to secure the optimal USDA or FHA loan quickly and without hassle. Start with one of three pathways to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the U.S. Department of Agriculture, referred to as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. In contrast to FHA loans requiring a 3.5% down payment, the USDA loan requires none.

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



  • Afco Financial Corporation
  • 5217 So McColl Rd, Edinburg, TX, 78539
  • We are a group of individuals that are uniquely different, we share a common goal and the like-minded belief that we can change the face of real estate through knowledge, experience, hard work, technology, honesty, integrity and by and giving back to our community. We are NOT centered around a presentation or sales pitch
  • Wallstreet Wholesale Lender LLC
  • 3111 W Freddy Gonzalez, Suite 225, Edinburg, TX, 78539
  • "WallStreet Wholesale Lender LLC is designed to help borrowers with their Mortgage Loan. Our platform allows borrowers to obtain wholesale rates in a retail market. Our Loan Officer are Licensed and educated. We obtain the best loan officers in Texas. Our requirements are for our Loan Officers to be educated, resourceful."
  • South Texas Federal Credit Union
  • 2121 Dove Avenue, McAllen, TX, 78504
  • South Texas Federal Credit Union is a full service Financial institution established in 1952 in McAllen, TX. STFCU offers checking and savings, as well as CDs and IRAs, accounts to any resident of the Hidalgo County, but with 55, 000 ATMs nationwide for the convenience of our members.
  • Lone Star National Bank
  • 520 E. Nolana Avenue, McAllen, TX, 78504
  • Lone Star National Bank is a full-service independent community bank with many locations across South Texas, founded on January 23, 1983. Lone Star National Bank is a technologically advanced, full-service, independent, community bank with over 700 employees and many locations across South Texas.
  • Mr. Mortgage, LLC
  • 1300 N. 10th St, Suite 330K, McAllen, TX, 78504
  • Mr. Mortgage, LLC was born, to provide clients & business partners with the highest level of personalized service, expertise & competitive home loan programs in the market today. We are a full-service residential mortgage broker providing Home Loans across the state of Texas. We pride ourselves on making the loan process simple & straightforward.
  • Global Fox Financial
  • 2511 Buddy Owens Blvd, Suite A, McAllen, TX, 78504
  • Global Fox Financial is a private commercial real estate lender and structured finance company that offers financing to borrowers directly and through a network of finance professionals. Global Fox Financial is additionally a partner of Rio Grande Capital LLC, our account receivable brokerage. We feature a variety of commercial loan programs.
  • Diversified Lending Group
  • 5412 N. 10th St, McAllen, TX, 78504
  • Joe Cuellar, Branch Manager for Castle & Cooke Mortgage in McAllen, Texas, truly knows the ins-and-outs of the mortgage business! Whether clients are seeking alternative ways of generating income through investing in real estate or are simply looking for a home mortgage, Joe is the guy to see. With more than 30 years in the financial
  • A.A. Genesis Investments, LLC
  • 1012 Martin Avenue, Suite C, McAllen, TX, 78504
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Mortgage Pros
  • 5801 N 10th St, Suite 300, McAllen, TX, 78504
  • Mortgage Pros is a mortgage provider, supported by Directions Equity LLC, and based in McAllen TX. We provide residential financing for the purchase or refinancing of residential real estate.We’re a group of highly experienced mortgage professionals. Every team member has extensive mortgage experience and expertise.
  • Lion Federal Credit Union
  • 1580 Haynesville Hwy, El Dorado, AR, 71730
  • It's the 23rd largest credit union in Arkansas with assets over $17 Million and providing banking services to more than 2,000 members. We strive to deliver a level of service that exceeds the expectations of our customers. If you have any questions about our products or services