As of 2026, the USDA loan limit for El-Campo, in Wharton, TX, is set at $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to evaluate and contrast the best USDA versus FHA rates available today, determining the income, credit reserves, and documents necessary for qualification. Our sophisticated mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA programs to help you choose the right option tailored to your financial situation in
Check loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to deliver the optimal USDA or FHA loan swiftly and effortlessly. Choose from three starting points that pair you with lenders and USDA loan programs.
A USDA home loan, also referred to as the USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and is available specifically for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
Bridge Loan Guides
