In 2026, the USDA loan limit for Houston, situated in Harris County, TX, stands at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s premier USDA and FHA rates and determine the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure the best possible USDA or FHA loan for you quickly and without hassle. Choose one of three approaches to connect with matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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