In 2026, the USDA loan ceiling in Edinburg, within the county of Hidalgo, TX, stands at $336,500, while the cap for an FHA loan is $472,030 for a single-family dwelling. These figures are crucial for prospective buyers assessing their mortgage possibilities.
Lendersa® offers a USDA loan calculator to efficiently compare the latest USDA and FHA rates. This tool is pivotal in determining the income, credit standing, reserves, and documentation required to meet eligibility criteria. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, aiding users in pinpointing the most suitable financial product in Alabama for their personal economic needs.
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| Type of Loan | Maximum Loan Limit | Down Payment Requirement |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to facilitate access to the best possible USDA or FHA loans swiftly and without difficulty. Start with any of the three initial points to get matched with lenders and USDA loan programs.
A USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is a government-backed product provided by the Department of Agriculture. It is specifically available for those in rural areas. Unlike FHA loans that require a minimal down payment of 3.5%, the USDA mortgage conveniently demands no down payment, making home ownership more attainable for eligible rural buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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