For 2026, in Oak-Ridge-North, within Montgomery county, TX, the USDA loan limit is $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Make use of the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates, and determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options to help you decide which program best suits your financial needs in Alabama.
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| Type of Loan | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points to match you with lenders and USDA loan offerings that meet your needs.
A USDA home loan, endorsed by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is exclusively offered in rural locations. Unlike FHA loans demanding a minimum down payment of 3.5%, USDA loans require no down payment to access.
Enter your location to find out if it qualifies for USDA rural housing loan?
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