USDA and FHA Pro and Con in Howe, Grayson County, TX

As of 2026, the USDA loan limit in Howe within Grayson County, TX is set at $336,500. Meanwhile, the FHA limit for a single-family dwelling stands at $472,030.

Use the Lendersa® USDA loan calculator to contrast today's best USDA against FHA rates, identifying the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you select the right program for your financial circumstances in .

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2026 Loan Limits and Downpayment Requirements in Howe, Grayson, TX

Loan Category Maximum Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conforming Conventional $726,200 3%

USDA and FHA Loan Options in Howe, TX

The goal of Lendersa® is to efficiently connect you with the most suitable USDA or FHA loans without hassle. Choose one of three starting paths that lead you to compatible lenders and USDA loan options.

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Understanding USDA Loans in TX

The USDA home loan, or rural development mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans have no down payment requirement.

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



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