In 2026, the USDA loan limit for Lacy-Lakeview, in the county of McLennan, TX, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to analyze the best current rates for USDA versus FHA loans, and determine the income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to facilitate a swift and hassle-free process in securing the most favorable USDA or FHA loans for you. Begin with one of three options that lead you to matching lenders and suitable USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans, which require a minimum of a 3.5% down payment, USDA loans do not require any initial down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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