USDA and FHA Pro and Con in Roma, Starr County, TX

For 2025, the USDA loan cap in Roma, Starr, TX is $336,500, whereas for single-family homes, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to assess and compare current USDA against FHA rates, determining the necessary income, credit, reserves, and documentation. Our advanced calculator allows for side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting in selecting the best program for your financial situation in .

Review loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Roma, Starr, TX

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

Discover USDA and FHA Loan Options in Roma, TX

Lendersa® focuses on securing the best USDA or FHA loan swiftly and effortlessly. Begin with one of three starting points that align with lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, backed by the U.S. Department of Agriculture and known as a USDA rural development loan or mortgage, is offered exclusively in rural areas. Contrary to FHA loans needing a minimum 3.5% down payment, USDA mortgages require no down payment.

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



  • Denver Lending
  • 100 Garfield St, Suite 320, Denver, CO, 80206
  • Denver Lending is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity We get calls every day asking what our rate is, but a competitive rate is only part of what a home buyer should be concerned with. The overall financial health, which includes an educated and holistic approach.
  • Columbine Mortgage LLC
  • 44 Cook Street, Suite 700, Denver, CO, 80206
  • Our mission at Columbine Mortgage is to help guide our clients and business partners through the mortgage lending process — consistently providing insightful advice and maintaining the highest standards of professional service to build enduring relationships and Our approach to the mortgage business is informed by years of experience.
  • BoardRE Inc
  • 2401 E 2nd Ave, Suite 300, Denver, CO, 80206
  • Accept.inc, the first iLender, is technology-enabled lender that empowers buyers who qualify for a mortgage to submit all-cash offers on homes at no additional cost. Accept.inc’s mission is to empower a cash offer on every home, leveling the playing field. Accept.inc sets itself apart with a frictionless customer experience
  • A E Rivera Mortgage
  • 201 Steele Street, Suite 200, Denver, CO, 80206
  • A E RIVERA MORTGAGE, LLC is a localy owned and operated mortgage lender servicing the Rocky Mountain region since 1998. Anthony E. Rivera, President, began his career in 1982. During his career, Mr. Rivera has served in every capacity of the mortgage loan process. This experience and knowledge drives an extremely efficient
  • PB Funding Inc
  • 44 Cook Street, Suite 100, Denver, CO, 80206
  • The PB Funding Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • The Strick Group
  • 2001 S Hanley Rd, Suite 195, Saint Louis, MO, 63144
  • The Strick Group, is your full-service home financing resource when you want to purchase or refinance. Our mortgage experts have over 40 years of combined experience & will help find the best mortgage solution for you. We pride ourselves on delivering a stress-free loan process from pre-approval to closing & offer some of the lowest rates and fees.
  • The Home Loan Expert
  • 1600 S Brentwood Blvd, Suite 700, Saint Louis, MO, 63144
  • The Home Loan Expert,didn’t just show up as one of the nation’s top Mortgage Lenders by chance.Ryan built his business from the ground up starting in 2004 as a Loan Officer with Shelter Mortgage.With hard work & lots of referrals,Ryan was consistently their Top Producing Loan Officer & helped build the company to one of the larger Mortgage Bankers.
  • The Bank of Denver
  • 810 East 17th Avenue, Denver, CO, 80218
  • The Bank of Denver, formerly the Denver Industrial Bank, was organized by George F. Rock, Jr. as a result of a merger of the Credit Finance Company, organized in 1936, and the Denver Safe Deposit Company, organized in 1908. The Bank’s mission is to be a full service financial institution that delivers great personal service
  • Metro Mortgage Group LLC
  • 825 E Speer Blvd, Suite 206, Denver, CO, 80218
  • At Metro Mortgage Group, experience the difference that Genuine personal service makes when buying or refinancing your home. Experience the difference. Extensive knowledge and experience, paired with excellent lender relationships, allows Metro Mortgage Group to offer our clients mortgage solutions that meet their individual needs and goals.
  • Northstar Mortgage: Phil A. Trujillo
  • 387 Corona St, Suite 563, Denver, CO, 80218
  • Northstar Mortgage is a mortgage broker firm dedicated not only to provide you with the best combination of service, product, and rates but as well as to work hand in hand with you so we meet your personal goals. With over twenty years of combined mortgage lending experience you are sure to get the best advice to meet your needs.