USDA VS FHA in Roma, Starr County, TX

For 2026, 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 .

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2026 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?



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