In 2026, for Needville in Fort Bend county, TX, the USDA loan cap is $336,500. The FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. This tool helps assess the necessary income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, guiding you to choose the best program for your financial situation in Alabama.
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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® aims to provide you with the best USDA or FHA loan efficiently and without difficulty. Choose one of three pathways to partner with lenders and relevant USDA loan offerings.
The USDA home loan is backed by the Department of Agriculture, commonly known as a USDA rural development or mortgage loan, and is exclusively offered in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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