In 2026, in Giddings, within Lee county, TX, the USDA loan limit is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare current USDA versus FHA rates, and figure out necessary income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best program in <Alabama> for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to provide you with the best USDA or FHA loan options swiftly and hassle-free. Select from three starting approaches that will help you connect with matching lenders and USDA programs.
A USDA home loan is backed by the government, specifically the Department of Agriculture, and is also referred to as a USDA rural development loan or USDA mortgage. It's designed for rural areas only. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none, making them more accessible.
Enter your location to find out if it qualifies for USDA rural housing loan?
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