USDA VS FHA in Heath, Rockwall County, TX

In 2025, within Heath, Rockwall county, TX, the USDA loan cap is $360,600, while for FHA, the single-family home limit is $531,300.

Utilize the Lendersa® USDA loan calculator to contrast today's prime USDA and FHA rates, determining necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program in tailored to your financial scenario.

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2025 Loan Limits and Down Payment Standards in Heath, Rockwall County, TX

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

USDA and FHA Loan Alternatives in Heath, TX

Lendersa® aims to procure the finest USDA or FHA loan swiftly and with ease. Choose one of three initial steps to connect with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Understanding a USDA Loan in TX

A USDA home loan, backed by the government’s Department of Agriculture, is known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment whatsoever.

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



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  • AFI Financial Inc
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  • "Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and the best products to fit their financial profile. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
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