USDA and FHA Pro and Con in Hereford, Deaf Smith County, TX
In 2026, the USDA loan limit for Hereford, located in Deaf Smith, TX, is $336,500. Conversely, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates and to determine the necessary income, credit, reserves, and documents for qualifying. Our advanced mortgage calculator shows side-by-side comparisons of USDA, FHA, Conforming, and VA options, facilitating your decision on the best program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Hereford, Deaf Smith, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Hereford, TX
Lendersa® aims to connect you swiftly with the best USDA or FHA loans without hassle. Choose from one of three starting points that will pair you with suitable lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is only available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
Hereford Texas Federal Credit Union has been open since 1936. The credit union has assets totaling $71.51 Million and provides banking services to more than 8, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a memb
At First National Bank of Hereford we strive to meet and exceed your banking needs! Our fundamental philosophy remains the same: Old Values and New Visions Our helpful, friendly and professional staff will provide excellent service and are always ready to address any questions or concerns you may have pertaining to your banking needs.
Santa Fe Federal Credit Union is a full-service credit union that is designed to meet all of your financial needs. Our roots are serving the BNSF railroad, but we have now made it possible for YOU to be a member too. From (really) free checking accounts to high interest rates on savings accounts and low interest on loans.
4501 First United Bank Parkway, Amarillo, TX, 79119
Lends in Texas
Roots run deep in West Texas for First United Bank. In fact, all our roots are right here. Since beginning in 1907 as The First State Bank of Dimmitt to First United Bank today, our business model has always been focused on West Texas communities, the people who live and work here and their distinct financial needs.
Pamela Madore has had more than 30 years experience in the Real Estate and Mortgage Industry. Pamela Madore is a Keller Williams Global Property Specialist and is able to market your property throughout the world. She has lived in Maine, Florida and now Texas and has experience is the sales of recreational property, multi-family properties.
The People's Federal Credit Union was federally chartered on January 12, 1953 and currently has more than 18, 000 members. With five branches located in Amarillo, Childress and Canyon.
The mission of The People's Federal Credit Union is to be the Members' primary financial institution.
Amarillo Postal Employees Credit Union is a full service, non-profit cooperative financial institution that began in 1931. It was formed for the purpose of encouraging savings, by offering a good rate of return, using collective moneys to make loans at competitive, low rates and provide other useful financial services.
Access Community Credit Union has been open since 1953. The credit union has assets totaling $156.27 Million and provides banking services to more than 12, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
FirstBank Southwest is a community bank with nine banking center locations in Amarillo, Booker, Hereford, Pampa, and Perryton, Texas. In addition to our convenient branches, we also offer convenient digital banking for both consumer and commercial needs.
In 2020 and 2021, The American Banker awarded FirstBank Southwest as a Best Bank
