In 2026, the USDA loan limit for Red-Oak, in Ellis county, TX, is $329,300. Conversely, the FHA cap for a single-family house is $411,700.
Leverage the Lendersa® USDA loan calculator to assess the current best USDA versus FHA rates, which helps determine the necessary income, credit, reserves, and documents for qualification. Using our advanced mortgage calculator, you can analyze USDA, FHA, Conforming, and VA options side-by-side to find out which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $329,300 | 0% |
| FHA | $411,700 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to provide the best USDA or FHA loans promptly and without hassle. Start with one of three pathways that will match you with suitable lenders and USDA loan programs.
A USDA home loan, secured by the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is only available in rural neighborhoods. Contrary to FHA loans that demand a minimum 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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