USDA and FHA Pro and Con in Laredo, Webb County, TX

In 2026, the USDA loan limit for Laredo, in Webb County, TX, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

Employ the Lendersa® USDA loan calculator to weigh today's top USDA and FHA rates, determining the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA programs, helping you choose the most suitable option for your financial circumstances in .

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2026 Loan Limits and Down Payment Requirements in Laredo, County of Webb, TX

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

Options for USDA and FHA Loans in Laredo, TX

The aim of Lendersa® is to efficiently secure the best USDA or FHA loan for you, hassle-free. Choose one of three entry points that link you to compatible lenders and USDA loan options.

Lendersa USDA loan request and matching results

What is a USDA Loan in TX?

A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.

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



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