As of 2026, 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
Evaluate offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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?
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