In 2025, the USDA loan cap in Laguna-Vista, within Cameron county, TX, stands at $285,000. Meanwhile, for a single-family home, the FHA loan limit is $356,362.
Make the most of Lendersa®'s USDA loan calculator to contrast the optimal USDA and FHA rates available today, determining the necessary income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting the best option for your financial situation in Alabama.
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| Loan Type | Maximum Limit | Required Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to connect you quickly with the ideal USDA or FHA loan without complexity. Choose one of three starting approaches to match with lenders and USDA loan offerings.
A USDA home loan is supported by the Department of Agriculture, also known as a USDA rural development loan or mortgage. It is designed exclusively for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, a USDA mortgage requires none, making it a highly accessible option for eligible buyers in those areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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