USDA and FHA Pro and Con in Keene, Johnson County, TX
In 2026, the USDA loan limit for Keene, within the county of Johnson, TX, is $360,600. For a single-family home, the FHA limit is set at $531,300.
Leverage the Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates available today and determine the required income, creditworthiness, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, assisting in your decision regarding the best program in that suits your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Keene, Johnson County, TX
Loan Type
Loan Limit
Down Payment
USDA
$360,600
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Keene, TX
The objective of Lendersa® is to swiftly and seamlessly secure the most favorable USDA or FHA loans for you. Start by selecting one of the three entry points to connect with matching lenders and explore USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is government-backed through the Department of Agriculture and is specifically accessible in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
222 East Renfro St, Suite 134, Burleson, TX, 76028
Lends in Texas
Exceptional Service is only the beginning! Our team of mortgage professionals are knowledgeable and use first-hand experience to make sure your transaction is as seamless as possible. We’ll guide you through every step of the process. Helping you meet your real estate goals is why we do what we do.
First National Bank of Burleson is a locally owned bank that was established in 1981 and has been serving the financial needs of Johnson, Tarrant, and surrounding counties since that time. It is the only bank that is actually chartered in Burleson so it is truly the only hometown bank. As one of the few remaining independent banks in the area.
Grandview Bank is Johnson County's oldest locally owned bank serving you since 1890. Founded in 1890, Grandview Bank is the fourth oldest state-chartered bank in Texas. Our full service banking offices are located in Grandview, Cleburne and Alvarado. We are the only bank in Johnson County with locally-based ownership.
The JRS Home Loans team is dedicated to helping you find & fund the home of your dreams. Contact a JRS Home Loans specialist today to start your search for a new home or mortgage loan. We make it easy for you to get pre-approved for your home loan. You have enough to worry about, we’ll handle all of the headaches & walk you through the process.
Texas Exchange Bank first opened for business in 1970 and its current location in Crowley, Texas, was opened in 1974. Our second location opened in Fort Worth in November 2010. The Bank is proud of its heritage and that it is the only Crowley-based bank that has stayed committed to the community.
Members Credit Union (MCU) has a long history of personal service. Founded by seven employees of Santa Fe Railroad in 1954 as the Santa Fe Employees Credit Union, MCU grew and moved to 827 North Main in Cleburne, Texas in 1960. MCU expanded by offering membership to anyone working or living in Johnson County including family members.
General Motors moved the plant to Dallas and the credit union followed. There, board members worked out of their locker room until January 1982, when office space was rented, a computer bought and a manager hired. GM moved the plant back to Forth Worth in 1987 and the credit union moved to Forth Worth in August of 1987. In October 1991.
First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices.
Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.
Minter Mortgage are you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
