USDA and FHA Pro and Con 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.
First National Bank Texas (FNBT) and First Convenience Bank (FCB), a division of FNBT, remain dedicated to providing customers with quality financial products and services. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings.
Heights Finance provides installment loans and related products designed to help hardworking, everyday people get the money they need to help make ends meet. Heights Finance has become one of America’s leading consumer finance companies. Today we have over 100 branches, each staffed with friendly.
Greater Central Texas Federal Credit Union has been open since 1957. The credit union has assets totaling $31.67 Million and provides banking services to more than 2, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working
Fort Hood National Bank (FHNB) has stood apart as a leader in military banking. FHNB continues to be recognized by many around the world as the premier provider of banking services to the military community. We understand the banking needs of our service men and women and their families, and are proud to be your military bank.
The Belton Federal Credit Union is a member owned and operated credit union serving over 850 members. The membership elects a Board of Directors each January at the annual meeting that determines operating procedures, loan policies, and sets rates for loans and deposits. Belton Federal Credit Union obtained its charter on February 28, 1963.
Extraco Banks celebrated 119 years and three generations of family management on July 12th, 2021. Founded as a cotton warehousing company, Extraco is the largest and most comprehensive independent financial institution headquartered in central Texas with over $1.2 billion in assets,
The team at Temple Santa Fe Community Credit Union want to turn your dreams and wishes into plans and doing. We offer products you want and need, like saving and checking accounts, credit cards, and loans. We go above and beyond by providing you with financial coaching, educational tools, and programs that will help you
Scott & White Employees Credit Union (SWECU) was chartered in 1962 by the employees of Scott & White. The Credit Union is state chartered and regulated by the Texas Credit Union Department. Deposits are federally insured up to $250, 000.00 per account by NCUSIF, which is regulated by the National Credit Union Administration
Texell Credit Union is a not-for-profit financial cooperative founded in 1948. With over 130+ employees, Texell serves over 40, 500 members through digital service platforms and nine Central Texas branches. Texell offers a wide range of financial services to its members, and performs competitor research weekly to ensure it
