USDA Vs. FHA your options comparison in Fort-Hood, Bell County, TX

In the year 2025, the USDA loan maximum for Fort-Hood in Bell county, TX, is bounded at $285,000. Conversely, the FHA loan ceiling for a single-family home is $356,362. These figures reflect the upper borrowing limits available for these loans.

Use the Lendersa® USDA loan calculator to compare current USDA versus FHA rates. Determine your required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator enables side-by-side viewing of USDA, FHA, Conforming, and VA options, helping you select the program in best tailored to your financial situation.

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2025 Loan Limits and Down Payment Requirements in Fort-Hood, Bell, TX

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Solutions in Fort-Hood, TX

Lendersa® strives to secure you the ideal USDA or FHA loan swiftly, without hassle. Choose one of three starting avenues to connect with matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans necessitate no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Union Savings Bank
  • 8534 E. Kemper Rd., Cincinnati, OH, 45249
  • At Union Savings Bank, we believe that buying a home should be affordable for all of our neighbors. Providing a high-quality home mortgage lending and servicing experience is at the root of everything we do. It’s the reason we are the #1 mortgage lender in the communities we serve. We funded more than $6.2 billion
  • Emery Federal Credit Union
  • 7890 E. Kemper Rd., Cincinnati, OH, 45249
  • Emery Federal Credit Union is a full service financial cooperative, dedicated to serving its Members. We’re a fast growing, progressive Credit Union that offers Members a full range of banking products and services, including deposit accounts, loan products/services, and commercial services.
  • Rapid Mortgage Company
  • 7870 E Kemper Road, Suite 280, Cincinnati, OH, 45249
  • Rapid Mortgage is a Cincinnati area owned and operated mortgage lender offering competitive rates in a wide range of loan products such as Conventional, FHA, VA and USDA Rural Development. Whether you are a 1st-time homebuyer or a seasoned veteran, A+ credit or in need of some credit assistance, we have programs for borrowers of all types.
  • Reliance Bank
  • 2300 30th Street Northwest, Faribault, MN, 55021
  • On August 13, 2007 Reliance Bank opened its doors to the community of Faribault as a State Chartered, FDIC insured, full-service bank. Staffed with nine experienced bank employees, Reliance set off on a mission to become the best community bank. After its first full year of operation, Reliance Bank was given the coveted Faribault Area
  • Peoples Bank of Kentucky, Inc.
  • 106 South Main, Flemingsburg, KY, 41041
  • Peoples Bank has been the bank of choice for generations of area residents. We are proud to be locally owned and operated. We remain committed to the community and will continue to serve our customers with the respect and appreciation they deserve and also Peoples Bank has been the bank of choice for generations of area residents.
  • MCT Financial
  • 3240 East River Road, Rochester, MN, 55906
  • At MCT Financial, we have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We offer unparalleled mortgage and refinance service to clients throughout the entire State of Minnesota!
  • Main Source Mortgage
  • 3224 6th Ave NE, Rochester, MN, 55906
  • Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.
  • US Lending Corporation
  • 6720 Frank Lloyd Wright Ave, Suite 104, Middleton, WI, 53562
  • US Lending Corporation works with more than 20 banks to find the right home loans for our clients’ needs. More lending choices mean better-fit loans.Today’s rules and regulations for lending could fill volumes, making it more important than ever that you work with an experienced lender who specializes in home loans.