USDA Vs. FHA Pro and Con comparison in Grapevine, Tarrant County, TX

In 2025, the USDA loan limit in Grapevine, located in the county of Tarrant, TX, is $360,600. Comparatively, the FHA limit for a single-family home is $531,300.

Utilize the Lendersa® USDA loan calculator to evaluate and compare today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and required documents to qualify. The advanced mortgage calculator provides a detailed side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you select the best program in for your financial needs.

Explore loan offers from 100 lenders

Loan limits and down payment requirements for 2025 in Grapevine, county of Tarrant, TX

Loan Type Loan Limit Down Payment
USDA $360,600 0%
FHA $531,300 3.5%
Conventional Conforming $726,200 3%

Considering USDA and FHA Loan Options in Grapevine, TX

Lendersa® aims to help you quickly secure the ideal USDA or FHA loan, free of complications. Choose one of three pathways, each leading to potential lender matches and available USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is supported by the U.S. Department of Agriculture and is referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural regions. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage requires no down payment at all.

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



  • Discovered Homes Investment Inc
  • 800 Bonaventure Way, Suite 107, Sugar Land, TX, 77478
  • Discovered Homes We specialize in providing real estate services to thousands of people in the Houston and surrounding areas . We promise great customer service and an amazing experience. No exception Our goal is ensuring that you accomplish your real estate dreams from the moment you call until you reach your new home
  • Home USA Mortgage Inc
  • 14905 Southwest Freeway, Suite 201, Sugar Land, TX, 77478
  • Home USA Mortgage is your best source for mortgage related needs. We are a young team of energetic professionals who absolutely love real estate. We have been in business for over 18 years and continue to serve the Houston Metro area. With low rates/fees and a fun approach to the process, you will love buying your next home.
  • Archstone Lending Group
  • 3 Sugar Creek Center Blvd, Suite 100, Sugar Land, TX, 77478
  • Archstone Lending Group, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Oakdale Mortgage
  • 16554 Creek Bend Drive, Suite 220, Sugar Land, TX, 77478
  • Oakdale Mortage Our experienced loan officers make sure that you are making the right decision in your mortgage by giving you the attention and information needed to ensure a successful and timely closing. We know that the best results for one of life’s biggest decisions cannot be left to just anyone – at Oakdale Mortgage.
  • Sutherland Mortgage Services Inc.
  • 14090 Southwest Freeway, Suite 300, Sugar Land, TX, 77478
  • Sutherland Mortgage Services, Inc. was founded in 1998. The company's line of business includes originating mortgage loans, selling mortgage loans to permanent investors, and servicing loans.Sutherland Mortgage Services, Inc., is Licensed in the State of New York but does not do business in the State of New York using this website.
  • TOP CHOICE LENDING, LLC
  • 11224 Southwest Fwy, Suite 100, Houston, TX, 77031
  • Our goal at Top Choice Lending is to provide clients with an exceptional customer experience & access to a variety of lenders. We offer a variety of loans including: Conventional, FHA, VA, USDA, Refinances, commercial mortgages, business lines of credit, working capital, hard money (bridge) loans, and SBA loans.
  • BCM Federal Credit Union
  • 1 Baylor Plaza, Houston, TX, 77030
  • The Baylor College of Medicine Federal Credit Union is a member owned, not-for-profit credit cooperative led by unpaid volunteers who are democratically elected from its membership. Our mission is to deliver the highest quality financial services and education to our members and encourage thrift.
  • Bayou City Federal Credit Union
  • 6414 Fannin Street, Suite G50, Houston, TX, 77030
  • Bayou City Federal Credit Union has been open since 1980. The credit union has assets totaling $29.56 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to healthcare services employees.
  • Baker Hughes Federal credit union
  • 6830 Navigation Boulevard, Houston, TX, 77011
  • Our mission is not for profit, not for charity, but to be the financial backbone for our member-owners by providing the best products and caring professionalism to meet their needs from now and into the future. The Credit Union is guided by the members who elect a Board of Directors at the annual membership meeting.
  • Reed Credit Union
  • 10200 East Freeway, Suite 125, Houston, TX, 77029
  • Reed Credit Union has been open since 1935. The credit union has assets totaling $17.23 Million and provides banking services to more than 1, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans and other financial services to members
  • Port of Houston Credit Union
  • 111 East Loop North, Houston, TX, 77029
  • At Port of Houston Credit Union. Founded in 1956, Port of Houston Credit Union is dedicated to serving the needs of members their families. Who owns the credit union? You do! When you open your share account, you become a member and shareholder. Membership in a credit union is restricted to select groups and their families.