USDA VS FHA in Luling, Caldwell County, TX

In 2025, USDA loan limit in Luling, county of Caldwell, TX is $386,400 while FHA limit is $571,550 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Luling, county of Caldwell, TX

Loan Type Loan Limit Down payment
USDA $386,400 0%
FHA $571,550 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Luling, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Nebraska Rural Electric Association Credit Union
  • 1244 K Street, Lincoln, NE, 68508
  • The Nebraska Rural Electric Association Credit Union also known as NREA Credit Union, was chartered in 1973. We are located in Lincoln, Nebraska, in the offices of the statewide Nebraska Rural Electric Association, but we have credit union representatives to assist our staff located in most of the Association’s 34 member Rural Public Power District
  • University of Nebraska Federal Credit Union
  • 1720 P Street, Lincoln, NE, 68508
  • The University of Nebraska Federal Credit Union was started by seven faculty members back in 1937. Soon after membership was expanded to include university staff and in 2006 university students were added to the field of membership. In the fall of 2016 the credit union began reaching out to Alumni and welcoming them to join as well.
  • Nebraska State Employees Credit Union
  • 330 S. 16, Lincoln, NE, 68508
  • NSECU provides a convenient and inexpensive source of credit for worthwhile and meaningful purposes. We do this by returning any earnings to our members through higher dividend rates for share accounts and lower interest rates on loans. NSECU provides a convenient and inexpensive source of credit for worthwhile and meaningful purposes.
  • Banterra Bank
  • 1501 US-45, Eldorado, IL, 62930
  • At Banterra, we’ve been proud to serve customers since 1975, providing local-style service from day one. We know that smart banking is about relationships and understanding our customer needs, and having an exceptional team on board to accomplish that. That’s why we’d like for you to get to know us, as well,
  • Western Nebraska Bank
  • 301 Center Ave, Curtis, NE, 69025
  • Since 1910, Western Nebraska Bank has been known for the friendliness and personal relationships that characterize a rural community. Today our progressive leadership is looking ahead to the opportunities of the next hundred years as agriculture and banking technology develop locally and globally. To our customers, we pledge performance excell
  • Tennessee Department of Safety credit union
  • 1150 Foster Avenue, Nashville, TN, 37243
  • The Tennessee Department of Safety Credit Union is a financial organization chartered in the state of Tennessee. The credit union is a cooperative non-profit institution organized to promote thrift and provide an economical source of confidential credit for those who belong. The members elect a five-member Board of Directors to set policies.
  • Onyx Mortgage Group
  • PO Box 292901, Nashville, TN, 37229
  • 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.
  • Enbright Credit Union
  • 1214 Church Street, Suite 100, Nashville, TN, 37246
  • Enbright Credit Union began as Electric Service Credit Union. The employees of Nashville Electric Service founded the credit union in 1951, when eleven charter members deposited $5 each plus a twenty-five-cent membership fee. The State of Tennessee approved the credit union’s charter
  • Jersey State Bank
  • 1000 South State Street, Jerseyville, IL, 62052
  • On January 10, 1903, Theodore S. Chapman, Frederick Jacobs, Joseph R. Fulkerson, and Allen M. Slaten were granted permission to organize a bank to be known as the Jersey State Bank with capital stock of $25, 000.On January 28, 1903 Jersey State Bank opened its door for business at 123 West Pearl Street in Jerseyville
  • Tennessee Employees Credit Union
  • 220 French Landing Drive, Nashville, TN, 37228
  • Tennessee Employees Credit Union has been open since 1993. The credit union has assets totaling $31.01 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • Parthenon Federal Credit Union
  • 2204 Rosa L Parks Boulevard, Nashville, TN, 37228
  • Parthenon Federal Credit Union was chartered in 1942 to serve the employees and families of the United Methodist Publishing House. Today, Parthenon Federal Credit Union has a community charter to service anyone (and their families) who works, lives or worships in the Nashville metro center area where we are located.
  • Pathway Lending
  • 201 Venture Circle, Nashville, TN, 37228
  • Our Mission is To provide lending solutions & educational services that supports the development, growth, & preservation of underserved small businesses, affordable housing, & sustainable communities. We are financing businesses and strengthening communities. We have developed a range of financial products-including loans for financing business.