USDA Vs. FHA Pro and Con comparison in Killeen, Bell County, TX
In 2026, the USDA loan limit for Killeen, located in Bell County, TX, is $336,500. In contrast, the limit for an FHA single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates and determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows several options, including USDA, FHA, Conforming, and VA, side by side to help you choose the right program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Killeen, Bell County, 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 Killeen, TX
The goal of Lendersa® is to connect you quickly with the best USDA or FHA loan. Choose from one of three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, secured by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, available only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.
OCPS Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the OCPS Federal Credit Union will continue a sound yet progressive asset management strategy
Ultima Bank Minnesota originated as Farmers State Bank of Winger and was founded in 1904 in Winger, Minnesota, a small farming community in the northwest corner of the state. As typical of such communities, Winger's population peaked in the 1940's and then began to drop from about 400 to a little over 200 people today.
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10075 Carroll Canyon Road, Suite 120, San Diego, CA, 92131
Cabrillo Credit Union has been making managing your money easy since 1955. Currently, over 22,000 people trust Cabrillo to provide excellent service and to be a safe and secure place to deposit their funds and get great rates on their auto & home loans as well as credit card The Credit Union is a member-owned, not-for-profit financial institution.
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San Diego Homes & Loans helping families achieve their Real Estate goals. With 15+ years of Mortgage and Real Estate experience, I enjoy guiding my clients through the process of buying, selling, or refinancing. I work hard to understand every borrower's wants, needs, and financial goals
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10620 Treena Street, Suite 230, San Diego, CA, 92131
We have been committed to serving the financial needs of homeowners and homebuyers across California and Tennessee by providing a full menu of mortgage products, unparalleled customer service and expertise. Whether you are buying your first house, consolidating your debt, or refinancing your current home.
