In the year 2026, the loan limit set for USDA in Luling, county of Caldwell, TX is $386,400, while for FHA it's $571,550 pertaining to a single-family home.
Employ the Lendersa® USDA loan calculator to juxtapose today's leading USDA against FHA rates and ascertain what is necessary in terms of income, credit, reserves, and documents for qualification. Through our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, guiding you to determine the ideal program suited to your financial scenario in
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| Type of Loan | Maximum Loan Limit | Down Payment Required |
| USDA | $386,400 | 0% |
| FHA | $571,550 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan without difficulty. Pick one of three starting points that connect you with compatible lenders and USDA loan solutions.
A USDA home loan, guaranteed by the federal Department of Agriculture and referred to as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans that require a minimum of a 3.5% down payment, USDA loans do not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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