For the year 2026, the USDA loan limit set for properties in Dickinson, specifically within Galveston county of TX, reaches up to $336,500. For comparison, the FHA loan limit for a single-family residence is pegged at $472,030.
Take advantage of the Lendersa® USDA loan calculator to directly compare the most competitive USDA and FHA rates available today. The tool enables you to establish the required income levels, credit scores, reserves, and essential documentation necessary for qualification. Use our advanced mortgage calculator to evaluate the differences and similarities among USDA, FHA, Conforming, and VA loan programs side by side, guiding you to determine which is best suited to your personal financial situation in
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| Loan Type | Loan Limit | Down Payment Requirement |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to efficiently connect you with the most suitable USDA or FHA loan options with minimal hassle. You are invited to choose from three convenient starting points that enable matching with lenders offering USDA loans tailored to your needs.
A USDA home loan, endorsed by the U.S. Department of Agriculture and also termed as a USDA rural development loan or USDA mortgage, is specifically designated for properties located within rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans offer the substantial benefit of requiring no down payment at all, presenting an advantageous option for eligible individuals seeking homes in rural settings.
These loans not only make acquiring rural property more feasible but also potentially offer lower interest rates and reduced mortgage insurance costs, enhancing affordability and accessibility for prospective homeowners.
Enter your location to find out if it qualifies for USDA rural housing loan?
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