USDA and FHA Pro and Con in Fresno, Fort Bend County, TX

In 2026, the USDA loan limit in Fresno, county of Fort Bend, TX is $336,500, whereas the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans, assessing the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side to help you decide which program in is optimal for your financial situation.

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2026 Loan Limits and Downpayment Requirements in Fresno, county of Fort Bend, TX

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

Exploring USDA and FHA Loan Options in Fresno, TX

Lendersa® aims to secure the best USDA or FHA loan quickly and with ease. Choose from three pathways to connect with lenders and USDA loan programs suited to your requirements.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, the USDA mortgage requires no down payment.

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



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  • TruCommunity Bank would become the name of Farmers Security Bank, Garrison State Bank & Trust, and Bank of Turtle Lake. TruCommunity Bank will remain at the heart of our communities and is very dedicated to being the great local banks you know and love. Visit one of our 4 locations in Garrison, Max, Turtle Lake, and Washburn.

  • Premium Mortgage
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