USDA Vs. FHA Pro and Con comparison in Slaton, Lubbock County, TX

For the year 2026, the USDA loan limit in Slaton, located in the county of Lubbock, TX, is $336,500. In comparison, the FHA loan limit for a single-family home is set at $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the most competitive rates between USDA and FHA loans today, and to determine which income levels, credit scores, reserves, and documents are necessary for eligibility. Our advanced mortgage calculator aligns USDA, FHA, Conforming, and VA loan options side by side, assisting you in selecting the most suitable program for your financial needs in .

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An Overview of 2026 Loan Limits and Down Payment Mandates in Slaton, Lubbock, TX

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

USDA and FHA Loan Choices in Slaton, TX

The aim of Lendersa® is to swiftly secure the most suitable USDA or FHA loan for you, without any complications. Begin your journey by selecting one of the three pathways that connect you with aligned lenders and USDA loan programs.

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Defining the USDA Loan in TX

A USDA home loan is a government-backed mortgage through the Department of Agriculture, referred to as a USDA rural development loan or USDA mortgage, and is available exclusively in rural communities. Unlike FHA loans which require a minimum of 3.5% down payment, USDA loans eliminate the need for any down payment.

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



  • South Bend Firefighters Credit Union
  • 1122 South Main Street, South Bend, IN, 46601
  • Our credit union Motto is “People Helping People.” We’re all working together to help each other. As member-owners, we all have a stake in the credit union’s success. The better our credit union does, the better you do. That’s the value of credit union membership. South Bend Firefighters Federal Credit Union was organized on October 1959.

  • Policemen's Federal Credit Union
  • 1130 South Main Street, South Bend, IN, 46601
  • We proudly serve the law enforcement community of St. Joseph County, IN, membership with PFCU is available to others as well. By supporting local law enforcement with a minimal, one time membership fee to the Fraternal Order of Police Associates (FOPA), you too can become a member of Policemen's Federal Credit Union.

  • Centennial Mortgage, Inc.
  • 218 W. Washington Street, Suite 900, South Bend, IN, 46601
  • Centennial Mortgage is a privately held results-driven lender providing proactive, end-to-end solutions exclusively for multi-family and healthcare owners/developers seeking HUD and USDA financing. Our approach is delivered with a high-touch level of customer service found only with a specialized lender.

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  • Southwest Georgia Farm Credit
  • 305 Colquitt Highway, Bainbridge, GA, 39817
  • Farm Credit has been serving rural America for more than 100 years. Right here in southwest Georgia, we work side-by-side with farmers, farm businesses, land owners and homeowners. And because we’re a cooperative, your success means our success. Together, we grow. Southwest Georgia Farm Credit is part of the Farm Credit System

  • First State Bank & Trust Company
  • 612 Broadway, Thompson, ND, 58278
  • Officially known as First State Bank since 1938, our five locations in Buxton, Grand Forks, Mayville, Portland and Thompson are centrally located in the heart of North Dakota’s legendary Red River Valley. Known for our commitment to the communities we serve, our respected business, agricultural and mortgage lenders

  • Forcht Bank
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    Long before Terry Forcht was known and recognized as one of Kentucky’s foremost entrepreneurs, he was a college professor