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?



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  • ANG Federal Credit Union offers a wide variety of savings and term deposit accounts to help you save and plan for your future. All of our deposit accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), which means that your money is safe!
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  • The First National Bank of Dozier opened for business with a national bank charter. Henderson, a prominent entrepreneur at that time, was the bank’s first president for 8 years; yet, it is reported that he only entered the bank one time as he allowed the operations of the bank to be managed by local personnel.
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  • Westminster FCU was founded in 1960 by 12 Westminster Volunteer Fireman. The 'office' was a drawer in the secretary's desk of the city manager. WFCU has had several offices and has resided at its current location since 2001. The credit union is now a full service financial institution, offering everything from checking to mortgages.
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  • Gagliano Mortgage, Inc team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.