USDA VS FHA in Homestead-Meadows-North, El Paso County, TX

In 2025, the USDA loan limit in Homestead-Meadows-North, located in the county of El Paso, TX, is $285,000. For a single-family home, the FHA limit is established at $356,362.

To compare current USDA versus FHA rates, make use of the Lendersa® USDA loan calculator. It will help you understand the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans. This side-by-side analysis assists you in selecting the best program in Alabama for your specific financial situation.

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2025 Loan Limits and Down Payment Requirements in Homestead-Meadows-North, El Paso, TX

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Homestead-Meadows-North, TX

At Lendersa®, we aim to connect you quickly with the best USDA or FHA loan options without hassle. Choose from three starting points to align with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is a government-guaranteed mortgage, offered by the Department of Agriculture. Also known as a USDA rural development loan, it is only available in rural areas. FHA loans require a minimum down payment of 3.5%, whereas USDA loans demand no down payment, providing a more accessible option for eligible rural buyers.

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



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