USDA Vs. FHA Pro and Con comparison in Henrietta, Clay County, TX
For 2026, the USDA loan limit in Henrietta, part of Clay county, TX, stands at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Explore the Lendersa® USDA loan calculator to assess today's leading USDA vs. FHA rates, understanding the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best option for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Henrietta, Clay, TX
Loan Type
Maximum Loan
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Choices in Henrietta, TX
Lendersa® is dedicated to quickly providing the best USDA or FHA loan without any complications. Select from three starting methods to connect with lenders and relevant USDA loan options.
The USDA home loan, endorsed by the Department of Agriculture and often referred to as a USDA rural development loan or mortgage, is intended solely for rural regions. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment necessity, offering greater accessibility.
Wichita Falls Federal Credit Union is committed to providing quality service to its Members by offering a full range of financial services with competitive rates in a personal, caring, and professional manner and also We offer the same traditional products and services as a bank – but with low or no fees, and competitive rates
Union Square is the largest credit union in the Texoma Area. We are here to serve you, our members, with the best products available and the most competitive rates around. We are people helping people. We are.... Your Financial Center of Choice!
Union Square Credit Union's field of membership is open to those who have the following common bond
Texoma Community Credit Union has served 11 counties surrounding Wichita Falls, Texas since 1953 with a full range of banking services. We are not a big bank, but a financial cooperative. This means every member gets a vote, and our profits go back into the community each year, rather than into the hands of shareholders.
At Alamo Finance we know what it’s like to need help from time to time. We appreciate the hardworking Texans that built this great state and country. That’s why we believe so firmly in the installment loan. When good people have an unexpected emergency, they shouldn’t have to fall into the trap of Payday lenders. That’s why we’re here.
WFTFCU began building its first complete facility designed specifically for a financial institution. Land was purchased next to Barwise Junior High School and architect Joe B. Roberts designed the 3, 200 square foot building. The facility included a vault, loan offices, a drive-through teller window, lobby tellers and a member service area.
We are a full service independently locally owned bank. In addition to normal competitive banking opportunities we provide a fill mortgage department for financing homes a title company to complete all real estate transactions including oil & gas title research a trust department available to assist you with any trust account activity you may need
The Midwestern State University Credit Union, established April 25, 1955, is a member-owned financial cooperative dedicated to providing services that support members’ financial goals and help educate members in making decisions of their own financial affairs. Since the only owners are the members
PosTel Family Credit Union is the oldest, longest lasting credit union in the State of Texas. We are a full service community credit union that provides friendly financial services to anyone and their families who live, go to school, work or worship in Wichita County and its four surrounding Texas Counties including Clay, Archer, Baylor.
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