As of 2026, the USDA loan limit in Penitas, part of Hidalgo county, TX, is $336,500, while the FHA limit for a single-family home is set at $472,030.
With the Lendersa® USDA loan calculator, you can compare the finest USDA versus FHA rates available today, assessing income, credit, reserves, and necessary documentation for qualification. Using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your specific financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to swiftly and without hassle secure you the most favorable USDA or FHA loan. Begin by selecting one of three starting points to match with lenders and explore USDA loan programs.
A USDA home loan is guaranteed by the government Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is accessible in rural neighborhoods only. In contrast to FHA loans requiring a 3.5% down payment, the USDA mortgage demands no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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