USDA and FHA Pro and Con in Decatur, Wise County, TX

In 2026, the USDA loan limit in Decatur, county of Wise, TX is $360,600, while the FHA limit for a single-family house is $531,300.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the income, credit, reserves, and documents needed for qualification. With our innovative mortgage calculator, you can view the USDA, FHA, Conforming, and VA options side by side, helping you select the most suitable program in for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Decatur, county of Wise, TX

Loan Type Limit Down Payment
USDA $360,600 0%
FHA $531,300 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Choices in Decatur, TX

The aim of Lendersa® is to swiftly secure for you the best USDA or FHA loan without any hassle. Choose one of three starting points that connect you with matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



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