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.
Land Catchers Investments offers invaluable and comprehensive services related to all aspects of real estate transactions, land use, development and financing. As their broker, Land Catchers carefully monitors both economic and financial decisions affecting its clients while simultaneously providing market data and investment advice so that clients
We are unique in that we offer both mortgage AND real estate services to our clients. Providing the full spectrum of home buying, selling, and financing services from our small group of talented consultants is a bold feat; one that most other companies dare not attempt. We not only offer all of these services, but clients quickly discover
My name is John Arnaz. I'm a Mortgage Broker with Arnaz Financial Inc, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. John brings his experience in wholesale, private banking and residential home loan lending. John takes great pride in successfully restructuring loans
100 Iron Point Circle, Suite 150, Folsom, CA, 95630
Valley Funding, our mission is to provide homeowners and future homeowners a variety of home financing options at competitive rates; fulfilling their needs in a manner that enhances their standard of living in realizing the American Dream.We at Valley Funding believe in working hard to get the job done.
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7700 Folsom Auburn Road, Suite 110, Folsom, CA, 95630
We will treat you right and give you the personal attention you deserve. We know the big commitment you are making in buying a home, refinancing a mortgage, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
Masters Team Mortgage is a premier mortgage broker in the greater Sacramento region. Our boutique approach ensures a lending experience rare in today’s automated, online-dominated lending environment. We want to see you, get to know you, and develop a relationship with you that will span generations to come.
We are a full-service mortgage company based in Folsom, CA. We specialize in Home Purchase Loans and Refinance in California. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Our creative business model has provided decades of stable success, and in 2019 alone, we funded over $6.3 billion in loans and helped people all over the country reach their home financing goals. We believe in providing strong futures for our customers, our referral partners and our team members.
