USDA and FHA Pro and Con in Stephenville, Erath County, TX
In 2026, the USDA loan limit for a single-family home within Stephenville, county of Erath, TX, is $336,500. Meanwhile, the FHA loan sets a limit at $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's most competitive USDA and FHA rates. This tool also helps you determine the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in deciding which program in caters best to your financial needs.
2026 Loan Limits with Down Payment Requirements in Stephenville, County of Erath, TX
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Stephenville, TX
Lendersa® strives to connect you quickly and smoothly to the most suitable USDA or FHA loan programs. Select one of three starting points to pair with lenders and explore USDA loan offerings.
A USDA home loan, secured by the U.S. Department of Agriculture, also referred to as a USDA Rural Development loan or USDA mortgage, is intended solely for rural areas. Unlike FHA loans, which demand a down payment of at least 3.5%, USDA loans do not require any down payment, offering substantial benefits to eligible rural homebuyers.
The First National Bank is an independent locally owned bank located in Dublin, Texas. The bank was chartered on May 7, 1985. On January 1, 1997 First National Bank merged with First State Bank of Deleon, Texas. The newly created bank retained the First National Bank's name & opened its main office in Dublin & branches in DeLeon and Gustine, Texas.
First National Bank was chartered in 1887 by Texas Pioneers Dan Cogdell, John Traylor, E.A. Hannaford, Jess Baker and James H. Doyle.
While the early years of the Bank’s existence were economically prosperous for the area, the Great Depression and droughts of the 1930’s would soon have a negative impact on the community.
Victory Home Loans was founded in 1993. Victory Home Loans is a local, family owned and operated mortgage company with YOU in mind. Our goal is to help every home buyer or homeowner win by providing access to home loan options with lower costs, faster closings with an easier and more predictable process.
Titan Bank was founded in 1907. The bank has a long history of focusing on the needs of small businesses in shifting economies. It is a full-service national bank with the capital, knowledge and staff to help entrepreneurs with their financial needs. Titan Bank is based in Texas and lends in all 50 states.
Members Credit Union (MCU) has a long history of personal service. Founded by seven employees of Santa Fe Railroad in 1954 as the Santa Fe Employees Credit Union, MCU grew and moved to 827 North Main in Cleburne, Texas in 1960. MCU expanded by offering membership to anyone working or living in Johnson County including family members.
Our deep heritage, headquartered in Cranfills Gap, makes us proud to offer the best banking services of a modern financial institution. Experienced people maintaining the integrity of our community bank by working to make life better. We are deeply involved in church, education, civic, and preserving our heritage.
In 1999, a group of local Parker County business people pooled their resources and expertise to create a community bank that would meet the needs and exceed the expectations of the residents and businesses of North Central Texas. Today, Texas Bank Financial has grown into an institution with 3 full-services branches
Texas Exchange Bank first opened for business in 1970 and its current location in Crowley, Texas, was opened in 1974. Our second location opened in Fort Worth in November 2010. The Bank is proud of its heritage and that it is the only Crowley-based bank that has stayed committed to the community.
If you are a consumer needing a Mortgage Loan you can rely on DiversiFund Texas, LP for an honest evaluation of your specific, personal situation. We won’t try to talk you in to a mortgage that is not in your best interest. Many of our best customers began with a long term plan. Kevin Gahagan founded DiversiFund in 1989
