USDA and FHA Pro and Con in Pampa, Gray County, TX
For 2025, the USDA loan limit in Pampa, located in Gray County, TX, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize Lendersa®’s USDA loan calculator to compare top USDA and FHA rates today, and determine required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial needs.
2025 Loan Limits and Downpayment Requirements in Pampa, Gray, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Pampa, TX
The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you, without hurdles. Choose one of three starting paths to align with lenders and suitable USDA programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
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