As of 2026, the USDA loan limit in Royse-City, in the county of Rockwall, TX, is set at $329,300, whereas the FHA limit for a single-family residence is $411,700.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. It will help you determine the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator enables a thorough side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in selecting the most appropriate program for your financial scenario 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% |
Lendersa® is committed to providing you with the most suitable USDA or FHA loans quickly and without difficulty. Begin with one of three starting points designed to align you with appropriate lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is available strictly in rural communities. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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