USDA VS FHA in Copperas-Cove, Coryell County, TX

In 2026, 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.

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2026 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.

  1. Submit an optimized USDA/FHA loan request
  2. Access USDA and FHA rates & terms first
  3. Browse the largest USDA loan lender database
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.

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  • First Americal Mortgage
  • 351 Oak Place, Suite K, Brea, CA, 92821

  • At First Americal Investments we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.

  • DGH Home Mortgage
  • 1411 Woodcrest Avenue, Brea, CA, 92821

  • We offer a variety of Home Mortgages, Conventional, High Balance Conventional, Jumbo, FHA,VA, Reverse Mortgages, Equity lines for Home Purchases and Refinances, for first time homebuyers to the experienced home buyers and investors. Currently also closing HARP 2.0 loans with many of our lending instutitions.

  • S & S Home Loans
  • 400 West Lambert Road, Suite F, Brea, CA, 92821

  • S & S Home Loans has been providing our client's real estate financing expertise since 1983. We value each relationship and strive to educate and inform our clients to make the loan process simple and transparent. Whether buying or refinancing or gal is to provide extraordinary service and we work hard to earn our clients trust and confidence.

  • Charis Loans, Inc.
  • 135 South State College Boulevard, Suite 200, Brea, CA, 92821

  • Charis is a word that is used for both giving and receiving. All of us, at Charis Loans, are both aware and thankful that we’ve been given grace, favor, and kindness throughout our lives. Our mission is to put those qualities into our work and give all of our clients an experience equal to our name. We appreciate the opportunity to serve.

  • AmWest Funding Corp
  • 6 Pointe Drive, Suite 300, Brea, CA, 92821

  • AmWest Funding Corp. was originally founded in 1995. The organization is driven by a highly successful management team possessing an average of two decades of experience among its core leadership. Focused on providing home loans responsibly throughout the communities we serve exceptional customer experience for you and your client.

  • American Financial Network, Inc.
  • 10 Pointe Drive, Brea, CA, 92821

  • As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals

  • AccessOne Mortgage Company LLC
  • 2609 Atlantic Avenue, Suite 201, Raleigh, NC, 27604

  • AccessOne Mortgage Company is a mortgage broker with operations in one state. AccessOne Mortgage Company offers numerous mortgage programs including conventional and jumbo mortgages and We can guide you to the right loan amount and best program for your needs. Based on standard lender guidelines, we'll get you a good idea of what kind of terms.

  • JCAP Private Lending
  • 3151 Airway Avenue, Costa Mesa, CA, 92626

  • Experience speed and flexibility with JCAP Private Lending, a leading direct lender in Southern California. We offer asset-based loans ranging from $50K to $5M, tailored specifically to residential real estate. With no credit or income verification needed, our fast funding options, from bridge loans to cash-outs, get you what you need promptly. Sen

  • Lending Corner
  • 950 S Coast Dr #155, Costa Mesa, CA, 92626

  • Specializing in arranging private, hard money loans backed by qualifying real estate assets to satisfy your financial needs.

    Lending Corner employs a team of real estate finance experts ready to assist in securing a private money loan for your financial needs. Whatever the goal – cash out, bridge loan, refinance, acquisition – we offer high LTV


  • Megan Doonan
  • 3198-F Airport Loop Drive, Costa Mesa, CA, 92626

  • Megan Doonan is known throughout the Southern California area as a professional and caring mortgage consultant who serves her clients with integrity and a particular eye for detail. Her clients are provided with the right loan every time thanks to her desire to thoroughly understand their financing needs
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