USDA Vs. FHA your options comparison in Pecos, Reeves County, TX

During 2025, the USDA loan limit for Pecos in Reeves county, TX, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and required documentation for qualification. Our advanced mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA options to help you select the program in that best matches your financial needs.

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2025 Loan Limits and Downpayment Requirements in Pecos, Reeves, 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 Opportunities in Pecos, TX

The objective of Lendersa® is to swiftly connect you with the most fitting USDA or FHA loans effortlessly. Begin with one of three starting choices to find matching lenders and explore suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in TX

The USDA home loan is backed by the U.S. Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, and is only available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage requires no down payment at all.

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



  • Bankers’ Bank
  • 7700 Mineral Point Road, Madison, WI, 53717
  • Bankers’ Bank has created a product suite customized to meet community based financial institution needs, helping community banks remain competitive and thriving in their communities. As a leading provider of financial products and services for over 700 community banks, Bankers’ Bank is focused is on helping the community bank market succeed.
  • Capitol Bank
  • 710 N High Point Rd, Madison, WI, 53717
  • We are proud of the partnerships we have established with organizations, businesses and individuals in the Madison and Verona communities. Our philosophy of community support is demonstrated at the corporate level, as well as in the time and energy our employees devote to our community each year.
  • QRL Financial Services
  • 801 Deming Way, Madison, WI, 53717
  • QRL Financial Services, is a nationwide provider of residential mortgage lending services for community banks and credit unions. The company’s comprehensive suite of offerings includes wholesale and correspondent lending, portfolio loan services, appraisal management and sub-servicing.
  • Select One Mortgage Inc.
  • 1111 Deming Way, Suite 205, Madison, WI, 53717
  • The Select One Mortgage Inc. Team is your premier mortgage broker servicing the Wisconsin and Minneapolis areas. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage. Whether you are a first time homebuyer, purchasing your dream home.
  • Thompson Kane and Company
  • 8020 Excelsior Dr, Suite 401, Madison, WI, 53717
  • Thompson Kane believes mortgage lending is about serving you. We take great pride in helping you realize one of life’s great dreams. That means providing the right loan, at a great rate, and closing on time every time! It also means we’re looking out for you every step of the way, helping you get acquainted with your options
  • Century Oak Financial Group
  • 7500 Deveron Court, San Jose, CA, 95135
  • Century Oak Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Loan-guys.com (e-constructionloans.com)
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  • Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.
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  • 106 South Main St, Suite 103, Crossville, TN, 38555
  • The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.
  • Upper Cumberland Federal Credit Union
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  • First Cumberland Mortgage
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  • First Cumberland Mortgage located in Crossville, Tennessee. We are one of Tennessee's most Comprehensive, Full Service Mortgage Companies. We specialize in 100% Loans, FHA & VA, Conventional Raw Land Loans, Self Employed Loans and Refinancing. Call First Cumberland Mortgage for all your Mortgage or Loan needs.