In 2026, the USDA loan limit in Lumberton, situated within Hardin, TX, is set at $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
Use the Lendersa® USDA loan calculator to gauge today's top USDA versus FHA rates and identify the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can see the USDA, FHA, Conforming, and VA options side by side to help decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to securing the best USDA or FHA loans for you promptly and effortlessly. Start with one of the three pathways to connect with matching lenders and USDA loan programs.
The USDA home loan is backed by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage. It's exclusively for rural neighborhoods. Unlike FHA loans requiring a minimum down payment of 3.5%, 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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