For 2026, the USDA loan limit in Fairfield, situated in Freestone county, TX, is $336,500, while the FHA cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to assess today's top USDA against FHA rates and check the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program for your financial needs in Alabama.
2026 Loan Maximums and Down Payment Guidelines in Fairfield, Freestone, TX
Loan Type
Loan Cap
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Fairfield, TX
At Lendersa®, our mission is to efficiently deliver the best USDA or FHA loan choices without hassle. Choose one of three starting strategies to connect with lenders and USDA loan programs that match your needs.
A USDA home loan is guaranteed by the Department of Agriculture, also called a USDA rural development loan or mortgage, and is solely available in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, the USDA loan requires no down payment at all.
23052H Alicia Pkwy, Ste 158, Mission Viejo, CA, 92692
Jackie is a mortgage professional cited in ABC, FOX, NBC & CBS for her work helping clients get low rate mortgages when purchasing a home or refinancing. California First Time Home Buyers get pre-approved today! We love serving our military past and present with the best VA Home Loans in California.
Bay Port Financial Inc Founder of the Tom Bass and his team made our mortgage process with buying our house a breeze. They were very knowledgeable and kept us very informed during the entire process. His responsiveness was a great help during the process and allowed us to close on time.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Eagle Community Credit Union is a member-owned, not-for-profit cooperative. For over 80 years, we’ve held a commitment to service excellence and member satisfaction. It’s who we are. It’s in our DNA. We have a rich history. We began as Orange County Postal Credit Union in 1937, and for many years we exclusively helped postal
26741 Portola Parkway, Suite E, Foothill Ranch, CA, 92610
"First Phase Financial Inc we only represent lenders who provide our clients the most competitive pricing in the market we also team with escrow-title companies that provide our clients the most competitive pricing in the market FIRST PHASE Financial Inc. different, unique is: our 1-on-1 Boutique Service"
27201 Puerta Real, Suite 160, Mission Viejo, CA, 92691
Founded by a group of entrepreneurs in 2007, we pride ourselves in being the only business bank headquartered in South Orange County. We understand that business owners don't want a bank — they want a banker — a trusted advisor who can be an extension of their business and the partner they need. This is why we're Partners Bank of California.
24002 Via Fabricante, Suite 226, Mission Viejo, CA, 92691
LoanAction Mortgage Services is a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending. We are a direct-to-consumer mortgage company and we focus on three fundamentals: superior service, excellent rates and access to all types of home mortgage financing options.
At Legacy Home Loans our experienced mortgage professionals view a new loan as an opportunity to help you purchase a new home or to show your the saving benefits of ReFinancing your current loan. But it is more than that! We believe it is a start of a long term relationship that can save the home owner thousands of dollars over the life
At Consumer Direct Home Loans, where we specialize in residential mortgages. At Consumer Direct Home Loans, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
