For the year 2025, the USDA loan cap in Seminole, within Gaines county of TX, is $336,500, whereas, for a single-family home, the FHA limit is $472,030.
By using the Lendersa® USDA loan calculator, you can compare the top rates of USDA versus FHA loans today. This will help you assess the necessary income, credit health, reserves, and documentation qualifications. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, enabling you to make an informed choice about the right program in
Examine loan offers from a pool of 100 lenders
| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our objective is to help you quickly secure the best USDA or FHA loans with ease. Choose from one of three starting points to match with lenders and access USDA loan schemes.
The USDA home loan, backed by the government's Department of Agriculture, is widely known as the USDA rural development loan or USDA mortgage. This financing is exclusively available for homes in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA mortgages come with no down payment required at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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