USDA Vs. FHA Pro and Con comparison in Haltom-City, Tarrant County, TX

In 2026, the USDA loan limit in Haltom-City, located in Tarrant county, TX, is $329,300. Meanwhile, the FHA cap for a single-family home is $411,700.

Use the Lendersa® USDA loan calculator to compare today’s leading USDA versus FHA rates. This tool helps you determine the necessary income, credit, reserves, and documentation required to qualify. By using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, supporting your decision on the best financing program in tailored to your financial situation.

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2026 Loan Limits and Downpayment Requirements in Haltom-City, County of Tarrant, TX

Loan Type Loan Limit Down Payment
USDA $329,300 0%
FHA $411,700 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Haltom-City, TX

The mission of Lendersa® is to secure the best possible USDA or FHA loan quickly and effortlessly. Choose one of three starting points to connect with lenders and delve into USDA loan programs.

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What Is a USDA Loan in TX?

A USDA home loan is guaranteed by the U.S. Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is available solely in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires none.

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



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