USDA Vs. FHA Pro and Con comparison in Leander, Williamson County, TX

As of 2025, the USDA loan cap in Leander, within the county of Williamson, TX, is $336,500, whereas the FHA ceiling for a single-family home stands at $472,030.

Leverage Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates today and uncover what income, credit, reserves, and documents are necessary for qualification. Our cutting-edge mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, enabling you to choose the most suitable one for your financial circumstances in .

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Loan limits and downpayment requirements for 2025 in Leander, county of Williamson, TX

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

Exploring USDA and FHA Loan Choices in Leander, TX

Lendersa® strives to promptly secure you either a USDA loan or an FHA loan with ease, without complications. You can start from three points to align with lenders and the USDA loan schemes.

Lendersa USDA loan request with matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the U.S. Department of Agriculture, known as the USDA rural development loan or USDA mortgage. It is specifically offered in rural areas. Unlike FHA mortgages that necessitate a minimum of 3.5% down payment, the USDA loan requires no down payment at all.

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



  • LITTON MORTGAGE, INC.
  • 7607 Fern Avenue, Suite 1102, Shreveport, LA, 71105
  • We offer Competitive Interest Rates, Low Closing Costs, and Quick Turn Times. Our job is to serve you personally. Call or stop by our office today and let one of our Loan Professionals serve you. We look forward to hearing from you soon! A home loan is one of the biggest financial decisions that you will make,
  • ANECA Federal Credit Union
  • 4361 Youree Dr., Shreveport, LA, 71105
  • ANECA Federal Credit Union has been serving the Shreveport/Bossier City area since 1939. While we do offer a variety of products and services, it is our commitment to financial well-being that makes us unlike any other financial institution. Our members are part of our family. We believe that by improving their financial lives we are helping our co
  • Starr County Teachers Federal Credit Union
  • 1322 E San Benito Street, Rio Grande City, TX, 78582
  • The Starr County Teachers Federal Credit union was founded in 1968 by a group of educators. The purpose of organizing a credit union was to provide school district employees with a financial institution of their own. This institution could offer them better rates on loans and a better return on their deposits.
  • Caprock Federal Credit Union
  • 709 North First Street, Lamesa, TX, 79331
  • Caprock Federal Credit Union has been open since 1965. The credit union has assets totaling $38.06 Million and provides banking services to more than 4, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state,
  • State Bank of Dekalb
  • 102 S.W. Runnels, De Kalb, TX, 75559
  • State Bank of Dekalb is a bank with operations in one state. State Bank of Dekalb offers numerous mortgage programs including conventional, FHA, VA, USDA & agricultural loan mortgages. The State Bank of De Kalb is located in De Kalb with zip code of 75559. You will find the details for this branch with the hours of operation phone numbers, add
  • The City National Bank and Trust Company of Lawton, Oklahoma
  • 500 SW D Ave, Lawton, OK, 73502
  • Since 1901, we have dedicated ourselves to providing solid, stable, & modern banking services to our customers. Originated in Lawton, Oklahoma, City National Bank & Trust has more than 40 + branches that span across Oklahoma and into southern Kansas. We pride ourselves on our commitment to our local communities and our unmatched customer service.
  • Cherry Mortgage LLC
  • 1800 Jimmy Davis Highway, Suite B, Bossier City, LA, 71112
  • Cherry Mortgage, LLC is owned and operated by Tanya Corbett (NMLS # 100655) a military spouse who understands the struggles of military living as well as the benefits. Licensed in Louisiana to assist in obtaining financing for all your residential mortgage needs. We specialize in VA loans, FHA loans, USDA loans.
  • Citizens National Bank, NA
  • 2711 E. Texas Street, Bossier City, LA, 71111
  • Citizens National Bank is committed to being a better place to bank. Not only in the way we do business, but also in our involvement in the community. Citizens National Bank, NA serves individuals, businesses and public and private sector institutions. Our branches provide a complete range of innovative financial products and services.
  • Acadiana Mortgage
  • 1017 Benton Road, Bossier City, LA, 71111
  • We are VA Homeloan Specialists and we serve the lending needs of homebuyers, homeowners, real estate professionals and builders. Our staff are passionate about assisting others in fulfilling the American Dream of home ownership, making the process as simple as possible. Kara Lowrie has over 30 years experience in mortgage lending.
  • Patriot Mortgage SBC LLC
  • 2400 Old Minden Road, Suite 5e, Bossier City, LA, 71111
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Family star mortgage
  • 1000 Chinaberry Dr, Suite 604, Bossier City, LA, 71111
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • J & L Processing/Mortgages
  • 2234 Windsor Ct, Bossier City, LA, 71111
  • At J & L Processing/Mortgages, we specialize in assisting first-time home-buyers navigate through this journey as quick and easy as possible. We offer conventional, FHA, USDA, VA Programs and more. Purchasing a home is a significant financial decision in your life, so finding the right mortgage partner is key to making the dream of homeownership