USDA VS FHA in Kerrville, Kerr County, TX

In 2025, USDA loan limit in Kerrville, county of Kerr, TX is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Kerrville, county of Kerr, TX

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Kerrville, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Green Isle Real Estate & Mortgage
  • 6060 Sunrise Vista Dr, Suite 1200, Citrus Heights, CA, 95610
  • Green Isle Real Estate & Mortgage is locally owned and operated in the heart of one of the most dynamic real estate markets in the country: Sacramento, California. We serve a growing demand for agencies that specialize in single family and multifamily properties. Our services include representation for buyers and sellers of primary.
  • Sterling Mortgage Services
  • 5620 Birdcage Street, Suite 210, Citrus Heights, CA, 95610
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Elite Loan Advisers
  • 3830 Watt Ave, Unit 2, Citrus Heights, CA, 95610
  • We are a customer service based mortgage company centered on flexibility and finding the best mortgage option for our clients and their families. We believe each person's situation is different and can help prepare those who are not ready to take the necessary steps within their budget and time frame.
  • Brian Terrill Lending Company
  • 5750 Sunrise Boulevard, Suite 130-A, Citrus Heights, CA, 95610
  • We are a licensed finance brokerage that operates in the State of California under the Department of Business Oversight Financing Law. We are also licensed as a Mortgage Loan Originator in the State of California. At times we may refer you to other sources of funding rather than act as the direct broker,
  • Silver Oak Funding
  • 5750 Sunrise Blvd, Suite 210, Citrus Heights, CA, 95610
  • Silver Oak Funding, Inc is focused on the Mortgage Broker model of lowest Rate and costs coupled with top service in order to ensure the best client experience possible. The team at Silver Oak Funding is dedicated to “simplifying” the home loan process for everyone involved. Too often in today’s fast paced world
  • ACC Mortgage
  • 1801 Research Blvd Suite 410, Rockville, MD, 20850
  • ACC is the oldest NON QM Lender in the industry! I have been with ACC for 6 years. We offer low rates and flexible UW guidelines. Call or email me and I can assist with your scenario. DSCR- down to 0.00 Bank Statement 12/24 months 1 YEAR UN Audited P&L Second Chance- low credit/tradelines/no credit Foreign National- No income/ no credit requi
  • Capital Area REALTORS® Federal Credit Union
  • 5201 Diamondback Drive, Suite 150, Rockville, MD, 20850
  • Capital Area REALTORS® Federal Credit Union was started 50 years ago by REALTORS® for REALTORS®. We are proud to have continued the tradition by keeping our board comprised of REALTORS® and Real Estate Brokers. At CAR FCU we think of our members as neighbors and believe they deserve the confidence of working with a local team.
  • NIH Federal Credit Union
  • 111 Rockville Pike, Suite 100, Rockville, MD, 20850
  • NIH Federal Credit Union is proud to be the nation’s largest credit union serving the healthcare & biomedical industry.We strive to provide our members with exceptional service, financial advice & banking solutions that exceed expectations & enhance their lives.Our members are focused individuals – too busy to waste time & too smart to waste money.
  • Marriott Employees' Federal Credit Union
  • 1801 Research Blvd, Suite 200, Rockville, MD, 20850
  • MEFCU continues to serve thousands of Marriott International associates nationwide with the same focus by providing access to low-cost banking services that save you money and help you achieve your financial goals. We've operated on this premise since 1953, when J. W. Marriott, Sr's vision that all Hot Shoppes employees would have access