USDA Vs. FHA your options comparison in Hereford, Deaf Smith County, TX
In 2025, 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.
2025 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.
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