USDA Vs. FHA Pro and Con comparison in River-Oaks, Tarrant County, TX

For 2025, the USDA loan cap in River-Oaks, county Tarrant, TX, is $329,300, while the FHA limit for a single-family home is $411,700.

Utilize the Lendersa® USDA loan calculator to analyze today’s best rates between USDA and FHA. Understand the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator compares USDA, FHA, Conforming, and VA options side by side, aiding in selecting the optimal loan program in for your financial needs.

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2025 Loan Limits and Downpayment in River-Oaks, County Tarrant, TX

Loan Type Loan Limit Down Payment
USDA $329,300 0%
FHA $411,700 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Options in River-Oaks, TX

Lendersa® strives to get you the ideal USDA or FHA loan swiftly and without complications. Choose from one of three pathways to connect with lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

The USDA home loan, backed by the federal Department of Agriculture, also known as the USDA rural development loan or simply USDA mortgage, is exclusively for rural areas. Whereas FHA loans require at least a 3.5% down payment, USDA loans need no down payment, offering easier access to homeownership in eligible rural neighborhoods.

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



  • Reach Home Loans
  • 327 Plaza Real, Suite 215, Boca Raton, FL, 33432
  • At Reach Home Loans communication, transparency, and speed are the focus. Our client and Realtor® reviews are a testament to that. Since our business relies heavily on word of mouth referrals, we understand the importance of being available to clients and referral partners beyond traditional banking hours.
  • lending2U
  • 1877 S Federal Hwy, Suite 304, Boca Raton, FL, 33432
  • "At LENDING2U we focus on working together and supporting our clients with effective and personalized financial solutions. We offer mortgages for residencial & commercial properties, constructions, ReFinancing and improvements. Our business areas include investors, brokers and realtors to become the best option of mortgage services."
  • Biz Lending & Insurance Center Inc
  • 399 SW 2nd Ave, Suite 206, Boca Raton, FL, 33432
  • Biz Lending & Insurance Center, Inc. (BLIC) is a niche company providing Member Business Loan Services for Credit Unions, Brokers, Investors, Business Owners and others that work in the Commercial Real Estate Industry. In addition, BLIC provides a complete line of Insurance Products that includes Property & Casualty, Health.
  • Ameritrust Mortgage Associates
  • 150 East Palmetto Park Road, Suite 800, Boca Raton, FL, 33432
  • Ameritrust Mortgage Associates will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. Melinda have been a Mortgage Loan Originator for over 26 years.
  • A Class Loans LLC
  • 1600 South Dixie Highway, Suite 500A, Boca Raton, FL, 33432
  • We are conveniently located in Boca Raton Florida, we offer our services with honesty, fast process, and responsibility. Our company does not focus in close loans only, we focus in the best interest for our customers. The company has 1 principal on record. The principal is Glenn Fradera from Boca Raton FL.
  • Dot Mortgage Company LLC
  • 1200 N. Federal HIghway, Suite 200, Boca Raton, FL, 33432
  • "DOT SPECIALIZES IN FINANCING FOR FOREIGN NATIONALS. The FOREIGN NATIONAL market is small and unexplored due to its complexity. We seek and formulate the best financing solutions for foreigners. We also have teams dedicated to working with the various categories of loans already existing in the North American Market"
  • PRIMA FINANCIAL SERVICES INC
  • 33 SouthEast 7th Street, Suite N, Boca Raton, FL, 33432
  • Prima Financial Services, strives to be your financial service provider of choice. We recognize that you have a choice and that we have to earn your trust and confidence. Our objective is to serve each of our customers with the up most quality and honesty in obtaining a mortgage. Prima Mortgage originators are trained to obtain you
  • Heide International LLC
  • 1200 North Federal Highway, Suite S200, Boca Raton, FL, 33432
  • Heide International Mortgage Financing are passionate about Real Estate Finance and are always looking for innovative structures to meet the demands and goals of our clients. The world of mortgage financing can be confusing and frightening. Banks rarely have to time, education or know how that it takes to walk first time home buyers
  • Choice Mortgage
  • 40 Southeast 5th Street, Suite 502, Boca Raton, FL, 33432
  • Choice Mortgage is a residential wholesale direct lender in Boca Raton. As a direct lender, we work personally with you through every step of the mortgage loan process, from pre-approval to close. We can also approve and finance loans that other banks have to turn down. By specializing only in residential loans, we have the specific expertise
  • Pro-Vision Team Funding Inc
  • 1515 N. Federal Highway, Suite 300-34, Boca Raton, FL, 33432
  • Our mission statement is simple. We want to help you to get to the next level. whether it be in your home or business. We have an uncompromising commitment to work as hard as possible on your behalf. We are willing and able to go beyond the call of duty to ensure you receive quality service.
  • Howard Grace Mortgage
  • 1515 North Federal Highway, Suite 300, Boca Raton, FL, 33432
  • Howard Grace and Associates is a Full Service Mortgage Brokerage Business specializing in a higher level of service. We are proud of the fact that our success has been the result of referrals from satisfied borrowers who have sent us their friends & family through the years. We take the time to listen to borrowers' needs and tailor each mortgage.