USDA Vs. FHA Pro and Con comparison in Henderson, Rusk County, TX

In 2026, the USDA loan limit for Henderson, in the county of Rusk, TX, is set at $336,500. Meanwhile, the FHA limit for a single-family dwelling is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, and to assess the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays comparisons of USDA, FHA, Conforming, and VA options side by side, helping you identify the most appropriate program in for your financial circumstances.

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2026 Loan Limits and Downpayment Requirements in Henderson, Rusk, TX

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

Exploring USDA and FHA Loan Options in Henderson, TX

Lendersa® strives to connect you with the best USDA or FHA loans promptly and without hassle. Choose from one of three starting points to match with prospective lenders and explore corresponding USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

The USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require 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?



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