USDA VS FHA in Reno, Lamar County, TX

As of 2025, the USDA loan limit in Reno within Lamar County, TX is set at $336,500. Meanwhile, the FHA limit for a single-family dwelling stands at $472,030.

Use the Lendersa® USDA loan calculator to contrast today's best USDA against FHA rates, identifying the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you select the right program for your financial circumstances in .

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2025 Loan Limits and Downpayment Requirements in Reno, Lamar, TX

Loan Category Maximum Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conforming Conventional $726,200 3%

USDA and FHA Loan Options in Reno, TX

The goal of Lendersa® is to efficiently connect you with the most suitable USDA or FHA loans without hassle. Choose one of three starting paths that lead you to compatible lenders and USDA loan options.

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Understanding USDA Loans in TX

The USDA home loan, or rural development mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. In contrast to FHA loans, which require 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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  • NC Community Credit Union
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  • NC Community Credit Union has provided quality financial services to help members achieve their financial goals. Your Community Credit Union is committed to serving individuals, businesses, and other organizations who live, work, worship, or attend school in Wayne County. As a credit union member, you’re also the owner!
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  • Gateway Funding, Inc. is a NC based family owned and operated specializing in commercial lending with a wide range of products in 45 states. We give a free consultation in order to determine the goals of the client and assess their financial situation. (Including refinancing) Gateway Funding, Inc.
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  • FNB Bank, formerly the First National Bank of Romney, opened for business on June 11, 1910 in the old Wirgman Building in Romney with an original capitalization of $50,000. In 1911 FNB Bank moved to a three-story brick building at the corner of Main and High Streets. The Bank outgrew its facilities
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