USDA VS FHA in Madisonville, Madison County, TX

For 2026, in Madisonville, Madison county, TX, the USDA loan limit is $336,500, and for a single-family home, the FHA limit is $472,030.

The Lendersa® USDA loan calculator can assist in comparing the premier USDA and FHA rates available today, and help determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options alongside each other to assist in selecting the best program for your financial needs in .

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Loan Limits and Downpayment Details in Madisonville, Madison, TX for 2026

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

USDA and FHA Loan Options in Madisonville, TX

Lendersa®'s aim is to provide you with the most suitable USDA or FHA loan quickly and effortlessly. Choose from three starting points that connect you with matching lenders and USDA loan programs.

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Understanding the USDA Loan in TX

A USDA home loan is backed by the government Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, this loan does not require a down payment, unlike FHA loans that need at least a 3.5% down payment.

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



  • Cornerstone Bank
  • 45th St 2280 45th Street S, Fargo, ND, 58104
  • North and South Dakota, our bank has been growing since 1936. We believe that while bank products are similar in most financial institutions, Cornerstone Bank offers one distinct difference: here you have easy access to the experts—the people who help you make decisions, whatever your business and whatever your balance.

  • Dakota Business Lending
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  • Dakota Business Lending has established itself as a lending partner for small businesses thanks to the wisdom, leadership, and guidance of our Board of Directors. We are proud to have decision-makers in our corner that combine for centuries worth of expertise in the areas of business, finance, economic development and public service

  • NEXA Mortgage | Kyle Green
  • 5551 36th Ave S, Unit D, Fargo, ND, 58104
  • "I provide mortgage loan products for homeowners purchasing or refinancing real property in North Dakota.
    While partnered with NEXA, I bring extensive loan options to my clients. Effectively achieving my clients home goals is my top priority.
    Schedule an appointment with me here: https://Calendly.com/kylegreen1/mortgage-inquiry/"

  • Forward Mortgage
  • 4575 23rd Ave S, Suite 250, Fargo, ND, 58104
  • 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

  • VALLEY MORTGAGE, INC
  • 3315 45th Street South, Suite 200, Fargo, ND, 58104
  • VALLEY MORTGAGE, INC is ultimate goal is to create lasting relationships with each of you so we may continue providing excellent mortgage loan service to you, your family and friends. Referrals from happy customers are our best advertising we can hope for and we've built a solid business.

  • Park Mortgage
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  • Park Mortgage, our purpose is to simplify the mortgage process. We are committed to customer satisfaction and value communication to understand your financial needs. We will listen to you and encourage your questions. Our established relationships allow us to shop the market quickly to find the best product at the best rate.

  • Cardinal Credit Union
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  • Cardinal is proud to announce their 5-star rating, recently awarded by Bauer Financial. Bauer Financial is a financial rating agency who provides depositor-focused ratings of banks and credit unions in the United States. The Company’s rating scale runs from zero to five, the strongest institutions being granted 5-star ratings.

  • Union Capital Mortgage
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  • At Union Capital, home loans are all we do. Since 1995, we have worked to become a trusted lending partner to countless realtors and customers. Realtors depend on us to help their buyers get into the ideal home. Customers we serve return to us again and again – we have gotten to know thousands of them personally over the past 20 years.