As of 2026, the USDA loan cap in Old-River-Winfree, located in the county of Chambers, TX, is $285,000, whereas the FHA cap for a single-family home is $356,362.
The Lendersa® USDA loan calculator can help you compare today's top USDA rates against FHA and understand the income, credit, reserve requirements, and necessary documentation for qualification. This advanced calculator showcases USDA, FHA, Conforming, and VA loans alongside each other to assist you in choosing the most suitable program for your financial needs in
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| Loan Type | Max Loan | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conforming Conventional | $548,250 | 3% |
At Lendersa®, our mission is to secure the best possible USDA or FHA loan for you swiftly and free of hassle. Choose from three initial pathways that lead to aligned lenders and USDA loan schemes.
A USDA home loan, also known as a USDA mortgage or rural development loan, is a government-backed loan from the Department of Agriculture. It is exclusively available in rural regions and, unlike FHA loans, requires no down payment while FHA loans mandate at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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