For 2026, the loan limit for the USDA in Sulphur-Springs, situated in the county of Hopkins, TX, stands at $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA, and determine necessary income, credit, reserves, and documentation for eligibility. With our sophisticated mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side to identify which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The purpose of Lendersa® is to quickly and efficiently provide the best possible USDA or FHA loans without hassle. Choose one of three initial points that connect you with matching lenders and USDA loan programs.
The USDA home loan, assured by the Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is designed for rural areas exclusively. Contrary to FHA loans that require at least a 3.5% down payment, a USDA mortgage demands no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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