USDA VS FHA in Midland, Midland County, TX

For 2025, the USDA loan limit in Midland, located in Midland County, TX, is $336,500, while the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator helps compare today's best USDA and FHA rates. It lets you know the required income, credit, reserves, and documents for qualification. Our modern mortgage calculator presents all options, including USDA, FHA, Conforming, and VA side by side to assist in selecting the best financial solution in .

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Loan Limits and Downpayment Requirements in Midland, Midland, TX for 2025

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

Discover USDA and FHA Loan Options in Midland, TX

Lendersa® is dedicated to offering the best USDA or FHA loan deals quickly and smoothly. Choose one of three starting paths to connect with lenders and find tailored USDA loan programs.

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Understanding USDA Loans in TX

A USDA home loan is a government-backed mortgage offered by the Department of Agriculture, also referred to as the USDA rural development loan, available only in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, no down payment is needed for a USDA mortgage.

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



  • NetCORE Realty & Lending
  • 21671 Gateway Center Drive, Suite 207, Diamond Bar, CA, 91765
  • Our mission is to ensure that your real estate dreams are fulfilled in a way that is seamless, efficient, and in your best interest. Serving the entire State of California with a focus on Southern California, our team has over a decade of experience helping both buyers and sellers navigate the complexities involved in exploring real estate.
  • American Empire Lending
  • 20955 Pathfinder Rd, Suite 100, Diamond Bar, CA, 91765
  • American Empire Lending helping customers afford the home of their dreams for many years and we love what we do.All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications.
  • Resban
  • 22632 Golden Springs Dr, Suite 200, Diamond Bar, CA, 91765
  • Founded in 1989, Residential Bancorp is committed to making the home-buying experience simple and enjoyable for customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success,
  • Exceed Lending
  • 21660 Copley Dr. #175, Diamond Bar, CA, 91765
  • We at Exceed Lending understand that your real estate is an important investment, and it is our mission to help you achieve your dreams. Our goal at Exceed Lending is to provide access to loan programs that best fit your needs, while providing exceptional customer service, to achieve a rewarding loan experience.
  • Dixie Line Credit Union
  • 567 Veritas Street, Nashville, TN, 37211
  • Dixie Line Credit Union is a not-for-profit financial cooperative founded in 1932, to promote saving, provide financial services and serve as a source of credit for provident and productive purposes, at the lowest possible cost. Throughout Dixie Line Credit Union’s strategic plan, we will make every effort to enable our members.
  • MortgagePRO Inc
  • 220 Bateman Ave, Franklin, TN, 37211
  • 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.
  • Family Community Credit Union
  • 1211 N Grand Avenue, Charles City, IA, 50616
  • Family Community Credit Union is unique because it is a member-owned, not-for-profit financial organization. It was formed in May of 1960. In order to become a member, you were required to have a union affiliation. In 1982, the members voted to become a Community Credit Union so services could be extended to anyone.
  • First Security Bank & Trust Co
  • 809 Clark St, Charles City, IA, 50616
  • The mission of First Security is to remain an independent financial service organization, characterized by progressive innovation, outstanding financial performance and a full complement of financial solutions for consumers and businesses. First Security will be a profitable community-oriented bank, responsive to the needs.
  • Centaurian Commercial Capital
  • 301 E. Arrow Hwy #101-1038, San Dimas, CA, 91773
  • At Centaurian Commercial Capital, we believe that every client is unique, and we are committed to providing quality service tailored to each individual's requirements. We have established long-standing relationships with premier lending partners, enabling us to offer our clients the best financing solutions.