USDA Vs. FHA Pro and Con comparison in Lufkin, Angelina County, TX

In 2026, the USDA loan limit in Lufkin, county of Angelina, TX is $336,500, whereas the FHA cap for a single-family home is $472,030.

You can use the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. This will help you determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, assisting you in choosing which program in suits your financial needs best.

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2026 Loan Limits and Downpayment Requirements in Lufkin, County of Angelina, TX

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

Exploring USDA and FHA Loan Options in Lufkin, TX

The goal of Lendersa® is to help you find the best USDA or FHA loans efficiently and without hassle. Choose one of three starting points to match with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in TX?

A USDA home loan is backed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage requires none.

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



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