USDA and FHA Pro and Con in Gun-Barrel-City, Henderson County, TX
For 2026, the USDA loan cap in Gun-Barrel-City, located in the county of Henderson, TX, is $285,000. Meanwhile, the FHA limit for a single-family dwelling is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's preferred USDA and FHA rates. This tool will also help determine the required income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in choosing the most fitting program for your financial scenario in .
2026 Loan Limits and Down Payment Requirements in Gun-Barrel-City, Henderson, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Options in Gun-Barrel-City, TX
The aim of Lendersa® is to seamlessly provide you the best USDA or FHA loans without delay. Choose among three starting points that connect you with suitable lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture—often referred to as a USDA rural development loan or USDA mortgage—is exclusively available in rural areas. Whereas FHA loans require a minimum down payment of 3.5%, the USDA mortgage demands no down payment at all.
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