In 2026, for McAllen in Hidalgo County, TX, the USDA loan limit is $336,500, while the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare today’s USDA and FHA rates. Identify the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to help you make the best financial decision 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% |
The objective of Lendersa® is to provide the best USDA or FHA loan quickly and without hassle. You can begin with one of three approaches that match you with suitable lenders and USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is available solely in rural neighborhoods. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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