USDA and FHA Pro and Con in Fredericksburg, Gillespie County, TX

As of 2025, in Fredericksburg of Gillespie, TX, the USDA loan cap is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Leverage our Lendersa® USDA loan calculator to compare contemporary USDA and FHA rates, and ascertain the necessary income, credit, reserves, and documentation for qualification. Utilize our cutting-edge mortgage tool to evaluate USDA, FHA, Conforming, and VA options side-by-side, guiding your decision for optimal financial strategy in .

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2025 Loan Limits & Downpayment Requirements in Fredericksburg, Gillespie, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Fredericksburg, TX

Lendersa® is committed to securing you the best USDA or FHA loan quickly and with minimal fuss. Start by selecting one of three options that match lenders with suitable USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in TX

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed loan accessible to rural area residents. Contrary to FHA loans, which mandate a minimum down payment of 3.5%, the USDA does not require a down payment.

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



  • Pacific Trust Group
  • 606 N. Larchmont Blvd, Suite 4A, Los Angeles, CA, 90004
  • Pacific Trust Group is committed to providing our clients with the best origination service in home mortgages along with some of the lowest rates available in all of Los Angeles, and throughout the State of California. Whether you are a first time home buyer, ReFinancing an outstanding loan, purchasing your dream home, consolidating debt.
  • Capital Lending & Real Estate
  • 1977 Redondela Drive, Rancho Palos Verdes, CA, 90275
  • Capital Lending and Real Estate, Inc. is a client-centered mortgage brokerage firm, helping people purchase and finance their homes in the state of California since 1995. Whether you are purchasing your first home, refinancing an existing loan, or looking for a new investment, I am here to help you with all your needs!
  • Excel Funding Real Estate Services Inc
  • 28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA, 90275
  • Excel Funding Real Estate Services, Inc., we are a one-stop shop for Real Estate and Financing. With over 20 years of experience, we have helped thousands of people to buy their dream homes! Whether you are looking to refinance, purchase or sell property, we have the expertise to get the job done professionally and efficiently
  • Fairview Mortgage Capital, Inc.
  • 29000 S Western Ave, Suite 210, Rancho Palos Verdes, CA, 90275
  • The Fairview Mortgage Capital Team is your premiere mortgage team located in San Pedro, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area.
  • Security First Financial
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  • Michigan One Community Credit Union
  • 510 S Dexter Street, Ionia, MI, 48846
  • Moments after walking into one of our lobbies you’ll see there’s something different about M1. Our employees greet you with gratitude, eager to serve you as our member and financial partner. This people-first way of doing business is something you might not expect from a financial institution, but it’s just the norm here.
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  • Athena Paquette, M.A.
  • 3625 Del Amo Blvd, Suite 220, Torrance, CA, 90503
  • You won’t be surprised to know that for many banks and lenders financing loans aren’t about people and their dreams, it’s about dollars. And that’s okay, because well, they’re banks. But for Athena, finding the right loan for someone has always been about the person who comes into my office and sits across the desk from Athena Paquette.
  • Family 1st Mortgage
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  • Family 1st Mortgage always a good time to purchase your very first home, securing your part of the American Dream. Interest rates are at an all time low Pre-qualify today for free and also Family 1st Mortgage Specialties in fha loan, VA loan,CONVENTIONAL LOANS, USDA LOAN REVERSE MORTGAGE and more facility.