USDA Vs. FHA your options comparison in Elgin, Bastrop County, TX
In 2026, the USDA loan limit for Elgin, located in Bastrop, TX, is $386,400. As for the FHA, the limit for a single-family residence is set at $571,550.
Take advantage of the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, helping you determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding in your decision on the best program in for your specific financial scenario.
2026 Loan Limits and Downpayment Requirements in Elgin, Bastrop, TX
Loan Type
Loan Limit
Down Payment
USDA
$386,400
0%
FHA
$571,550
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Elgin, TX
Lendersa® is dedicated to quickly securing the best USDA or FHA loans for you, without hassle. Initiate the process with one of three starting points that match you with suitable lenders and USDA loan programs.
The USDA home loan, secured by the U.S. Department of Agriculture and often called the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage requires no down payment.
Frontier Bank of Texas started in June of 2007 when five area leaders realized the need for a local, independent bank of Bastrop County. They came together and created a vision for a community bank that offers superb customer service, sophisticated financial products, and local leadership.
The arrival of the railroad in Bastrop during the 1880s injected a fresh spirit of progress in the community. This economic upswing opened the way for three forward thinking venture capitalists to open Bastrop County Bank, which was soon bought out by local business men and renamed The First National Bank of Bastrop in August of 1889.
We've been serving Central Texas since 1900; that experience is what sets Citizens National Bank apart. We know & are active in each of the communities we serve. That makes us better able to meet your banking needs.Because we know our customers, we can deliver many of the same accounts & benefits as larger banks but with a personal touch they can't
Taylor, established in 1876, is a town of nearly 16, 250 located in the heart of Texas about 35 miles northeast of Austin, the state capital. The I&GN train tracks laid down through Williamson County quickly brought commerce and development to the newly settled town. City National Bank opened its doors in 1900
At A+FCU, we don’t have customers, we have members. That means we’re all in this together, and when one member does well, we all share the benefits.
Our purpose is to educate each and every member and give them the right guidance for their unique financial situation. By giving our members the knowledge, resources,
We are a financial institution devoted to offering high level of service, great rates, & affordable financial products and services. In comparison to banks, we're like a breath of fresh air because we're truly focused on you & what's in your best interest. We are a member-driven, not-for-profit financial institution that returns any earnings back.
Use our loan services to make you a homeowner when you find that perfect home. Mortgage Wizards in Round Rock, Texas, is a mortgage brokering company that offers new loans and loan refinancing.
When using our services, you are personally walked through the loan process by our professionals. In addition, you are given suggestions
Eddie Fooshang is a Residential Mortgage Loan Originator. As a teen age boy in Egypt, he was fascinated with America through his favorite show “Walker Texas Ranger”. He dreamt of the day he would move to the USA, & specifically Texas to live the American Dream! His love for America and the American dream made him so passionate about home ownership.
Austin Mortgage Associate are a full-service residential mortgage broker providing Texas Home Loans in Austin, Houston, San Antonio, and Dallas and Fort Worth metro areas. We have been serving the needs of the residential mortgage community since 2000. Our customers know us for competitive rates and consistent customer satisfaction
