USDA Vs. FHA Pro and Con comparison in Decatur, Wise County, TX

In 2025, USDA loan limit in Decatur, county of Wise, TX is $360,600 while FHA limit is $531,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Decatur, county of Wise, TX

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

USDA and FHA loan options in Decatur, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Harrison Building and Loan Association
  • 10490 New Haven Road, Harrison, OH, 45030
  • The Harrison Building and Loan was chartered in May 1916 as Harrison Welfare Building Association. In 1962 the name was changed due to the number of calls concerning "welfare". Members of the Association met at Harrison City Hall from 1916-1925 and then met at various other locations until 1952 when property at 112 N. Walnut was purchased.
  • Whitewater Community Credit Union
  • 1157 Harrison Avenue, Harrison, OH, 45030
  • Whitewater Community Credit Union was originally charted in 1954 by the employees of the National Lead Company (Fernald) in Ross, Ohio. Although the Fernald facility changed names and management through out the years, the credit union remained a constant. In 2002, as closure of Fernald grew closer, the State of Ohio
  • Commercial Bank
  • 6710 Cumberland Gap Parkway, Harrogate, TN, 37752
  • Commercial Bank is your neighborhood bank; and, we are a leading financial institution with the services, capabilities, and resources of regional and national banks. We understand that every customer has unique opportunities, challenges, and financial concerns. We don't expect you to fit in the same box as the next person or business.
  • Coconino Federal Credit Union
  • 2800 S. Woodlands Village Blvd, Flagstaff, AZ, 86001
  • Established in 1955 Coconino Federal Credit Union began in 1955 as a teachers credit union. Over the years we have grown to be the only financial institution based in Coconino County and open to everyone in Coconino County. We still use the original foundation for the credit union- People Helping People!
  • Horizon Bank
  • 502 Franklin St, Michigan City, IN, 46360
  • Horizon is a community Bank serving northern and central Indiana, and southern, central and the Great Lakes Bay regions of Michigan. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us growing stronger than ever since 1873
  • First State Bank of Newcastle
  • 24 N. Sumner, Newcastle, WY, 82701
  • First State Bank of Newcastle was founded during the depression in 1924, a time when most banks were being forced to close their doors. Faith in the integrity of the men who started the bank was responsible for the bank’s growth only a few months after the collapse of several Weston County banking institutions.
  • Lender Express Mortgage LLC
  • 1013 S. Stapley Dr, Mesa, AZ, 85204
  • Lender Express Mortgage We make sure that we have access to a wide spectrum of cutting-edge mortgage products to make sure we can offer more options to our diverse customer base. Our portfolio of loan products include traditional products such as conventional, FHA, VA, USDA, jumbo loans, down payment assistance, non-QM and more
  • Starwest Mortgage Corporation
  • 1818 East Southern Avenue, Suite 15C, Mesa, AZ, 85204
  • Starwest has built a strong reputation since 2003 as an outstanding mortgage brokerage firm. An A+ member of the BBB, Starwest is serving the lending needs of current homeowners, real estate professionals, builders and individual homebuyers throughout the state. We’re a full service mortgage broker with a combined 24 years of experience
  • Echo Home Loans LLC
  • 1910 South Stapley Drive, Suite 221, Mesa, AZ, 85204
  • Echo Home Loans is a wholesale mortgage broker working with some of the best lenders in the Nation. This gives our mortgage experts the flexibility to find the best suited loan product for each individual clients needs.Echo Home Loans is currently licensed to broker in five states We are actively writing Conforming, FHA, VA, USDA and more.
  • Windsor Mortgage Inc
  • 3048 East Baseline Road, Suite 103, Mesa, AZ, 85204
  • Windsor Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Hard Money Loan Services
  • 916 E. Baseline Road, Suite 106, Mesa, AZ, 85204
  • HMLS is specialty lender providing mortgages for Arizona professionals who require rapid credit decisions, personal service, “common-sense” underwriting, and guaranteed, on-time funding. Its principals have been lending in Arizona since 1993, and built a reputation in the professional community by providing
  • Arcadia Credit Union
  • 535 South Dettloff Drive, Arcadia, WI, 54612
  • Arcadia Credit Union opened its doors in Arcadia, Wisconsin in 1963 in the former Trempealeau Electric Building. In 1963, the office moved to the Supreme School Supply building on Main Street. Arcadia Credit Union moved to Joe Klonecki's Insurance Building in 1967 and then, in 1973, they purchased Hermann's Barber Shop as their office.