USDA Vs. FHA Pro and Con comparison in Pecos, Reeves County, TX

During 2026, 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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2026 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.

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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?



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