USDA and FHA Pro and Con in Gonzales, Gonzales County, TX
As of 2026, the USDA loan limit for Gonzales, which is in the county of Gonzales, TX, is $336,500. Meanwhile, the limit for an FHA loan on a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. It helps determine all necessary income, credit score, reserves, and documentation needed to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you choose the most suitable loan program in for your financial needs.
2026 Loan Limits and Downpayment Needs in Gonzales, County Gonzales, 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 Opportunities in Gonzales, TX
Lendersa® is dedicated to helping you secure the optimal USDA or FHA loan quickly and with ease. Start with one of three methods that connect you with lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage and is available solely for rural areas. Different from FHA loans, which require a down payment of at least 3.5%, USDA loans have no downpayment requirement, offering a more straightforward path to homeownership in eligible rural neighborhoods.
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7545 Irvine Center Drive, Suite 200, Irvine, CA, 92618
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