USDA and FHA Pro and Con in Shallowater, Lubbock County, TX

In 2026, the USDA loan limit for Shallowater, situated in Lubbock county, TX, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to explore today's top USDA versus FHA rates and determine the required income, credit, reserves, and documents for eligibility. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side-by-side, assisting you in choosing the best program in based on your financial circumstances.

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2026 Loan Limits and Downpayment Requirements in Shallowater, Lubbock County, TX

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

Exploring USDA and FHA Loan Options in Shallowater, TX

Lendersa® aims to provide you with the best possible USDA or FHA loan quickly and without hassle. Choose one of three starting points that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in TX?

A USDA home loan is guaranteed by the government's Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage loan does not require any down payment.

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



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