USDA Vs. FHA your options comparison in Fredericksburg, Gillespie County, TX
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 .
2026 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.
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.
Security State Bank & Trust was born in the heart of Fredericksburg, Texas. In 1941, a group of local businessmen saw a need for a new bank to better serve the community’s needs. We officially opened for business in the former Buckhorn Saloon building at 201 West Main Street where we still reside.
Texhillco School Employees Federal Credit Union was established in 1956. It was founded by school employees and operated out of a cigar box on the top floor of the old Tivy High School building in Kerrville, now the KISD administration building. Since that time the surrounding Hill Country school districts have joined our field of membership.
Kerr County Federal Credit Union was founded on July 1, 1936 in the basement of the VA Hospital, to serve veterans & their families along with employees of the VA. Since then, we have existed solely for the purpose of serving our members’ best interests. This focus on members instead of profits allows us to offer a full range of financial services
Guadalupe Bank was built by locals, for locals. We pride ourselves on the fact that our decisions are made locally by people who live in our community, value relationships with our customers, and genuinely understand local needs. We have a commitment to every single customer and to the people and small business owners in our community.
US Mortgage Lenders, I not only have access to leading national lenders, but I have access to funding sources not readily advertised, with lenders you wouldn’t think to look for. Undoubtedly, I can find more competitive mortgage rates than banks and other traditional mortgage firms.
Johnson City founder James Polk Johnson, this structure has housed a variety of businesses & served as a community gathering place. In addition to serving as a community hall, opera house & meeting place for churches & community groups, the structure was occupied by such commercial enterprises as banks, general stores, hotels, & business offices.
Arrowhead Bank originally opened its doors for business as the Moore State Bank. In 1963, A.W. Moursund, a life-long Hill Country resident, attorney and judge purchased controlling interest in the Llano bank. At the time, the bank had deposits totaling nearly $4, 000, 000 and approximately $660, 000 in capital, surplus, and undivided profits.
Llano National Bank is a locally owned community bank with its main office located in Llano, Texas at 1001 Ford Street. We have two full-service branch bank offices: the Buchanan Dam branch, located at the intersection of State Highway 29 and RR 1431, Buchanan Dam, Texas and the Hill Country National Bank branch, located at 1210 S. Water Street.
Established in 1904, we at Mason Bank are working on our Second Century of Service! Our friendly and experienced staff will be happy to serve all your financial needs. Please stop by often and watch our internet presence grow. We offer a variety of time frames. A $2,500.00 minimum amount is required for certificates.
