In the year 2026, the USDA loan limit specified for a single-family home in Katy, within the county of Harris, TX, is set at $336,500. Meanwhile, the FHA loan limit stands at $472,030 for the same type of property.
To effectively compare the leading USDA and FHA rates available today, make use of the Lendersa® USDA loan calculator. With this tool, assess the necessary income levels, credit standards, reserves, and documentation needed to qualify for these types of loans. Our cutting-edge mortgage calculator also allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you in discerning the most suitable program for your financial situation in
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| Type of Loan | Maximum Loan Limit | Down Payment Requirement |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to connect you with the most favorable USDA or FHA loan solutions quickly and without any hassle. Start by choosing one of the three pathways that lead to lenders offering USDA loan programs tailored to your needs.
The USDA home loan is a distinctive type of loan guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. These loans are exclusively available for residences in rural areas. One significant advantage of USDA loans over FHA loans is that the former requires no down payment, whereas FHA loans necessitate a minimum down payment of 3.5%, making USDA loans an appealing option for qualifying homebuyers in rural settings.
Furthermore, USDA loans offer additional benefits such as potentially lower interest rates and reduced mortgage insurance costs, which contribute to making home ownership more accessible and affordable for people looking for homes in rural communities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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