In 2026, the USDA loan limit for Sherman, in Grayson county, TX, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today and to establish the income, credit, reserves, and necessary documentation for qualification. Our cutting-edge mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most appropriate program for your financial situation in Alabama.
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| Loan Type | Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to secure you the best possible USDA or FHA loan, quickly and without complications. Choose from three starting points that connect you with lenders and align with USDA loan programs.
A USDA home loan is a mortgage backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available in rural areas only. Contrasting with FHA loans which require a minimum of 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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