USDA and FHA Pro and Con in Hempstead, Waller County, TX

For the year 2025, the USDA loan limit in the city of Hempstead, located in the county of Waller, TX, is established at $336,500. In comparison, the FHA loan limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to make a comparison between today's USDA and FHA best rates. Identify the necessary income, credit score, reserves, and required documentation for qualification. Our sophisticated mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, enabling you to select the most appropriate program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Hempstead, Waller, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

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The aim of Lendersa® is to facilitate a hassle-free and swift acquisition of either USDA or FHA loans. Start with any of three options to connect with lenders that match you with the best USDA loan programs.

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Understanding USDA Loans in TX

The USDA home loan, often termed the USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture. It is specifically designed for properties in rural zones. Contrary to FHA loans that require a minimum down payment of 3.5%, USDA mortgage loans eliminate the need for any down payment.

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



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