USDA Loan Vs. FHA loan pro & con Terrell, Kaufman County, TX

As of 2025, the USDA loan limit set for a single-family home in Terrell, located in the county of Kaufman, TX, is $360,600. On the other hand, the FHA loan limit for such a property stands at $531,300.

Utilize the Lendersa® USDA loan calculator to effectively evaluate and contrast the top USDA versus FHA rates available today. This tool aids in determining the appropriate income levels, credit requirements, reserves, and necessary documentation to qualify for these loans. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, allowing you to make an informed decision on which program aligns best with your financial needs in .

Exploring USDA and FHA Loan Opportunities in Terrell, TX

Lendersa® is dedicated to efficiently connecting you with the most beneficial USDA or FHA loan options, ensuring a smooth and rapid process. Choose one of three starting points designed to match you with lenders and specific USDA loan programs suited to your requirements.

Visual overview of Lendersa USDA loan request and matching results

Defining USDA Loans in TX

A USDA home loan, insured by the government U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This special type of loan is available exclusively in rural neighborhoods. Unlike FHA loans, which typically require a minimum 3.5% down payment, USDA loans provide the notable advantage of requiring zero down payment, making them a highly attractive option for eligible borrowers looking to purchase in rural areas.

Additionally, these loans offer potential benefits such as reduced interest rates and lower mortgage insurance premiums, thereby enhancing the affordability and accessibility of homeownership for individuals seeking to purchase homes in rural communities.

Get top 10
USDA LENDERS
customized to yout needes

(225) 927-0005 Lender's profile and map Reviews Republic Finance 7031 Commerce Cir, Baton Rouge, LA, 70809 Republic Finance specializes in providing a variety of consumer loans, flexible lending options and incomparable customer service, & has assisted its customers in meeting their personal finance goals for more than 60 years. With branch offices located in Alabama, Georgia, Kentucky, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas.
(225) 228-0202 Lender's profile and map Reviews Pelican Home Lending 8768 Quarters Lake Road, Suite 5, Baton Rouge, LA, 70809 At Pelican Home Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(225) 313-6189 Lender's profile and map Reviews Reliant Home Lending 8550 United Plaza Boulevard, Suite 702, Baton Rouge, LA, 70809 At Reliant Home Lending We make it easy & worry-free to reduce your interest rate & monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan! Tapping into your home equity is easier than ever before. You’ve been paying down your balance.
(225) 291-7901 Lender's profile and map Reviews KEY LENDING SOULTIONS 10311 Jefferson Hwy, Suite B3, Baton Rouge, LA, 70809 Key Lending Solutions(KLS) is a local, full service mortgage company licensed in Louisiana and Mississippi specializing in purchase and refinance loans. KLS opened its doors in 2003, and our staff of licensed professionals has a combined experience of over 100 years originating, processing, and closing mortgage transactions.
(225) 975-0000 Lender's profile and map Reviews Area Home Lending 1737 Oakdale Dr, Baton Rouge, LA, 70809 Our goal is to give you options from all of the largest nationwide investors, with the local service you deserve. Free Approval for FHA, VA, RD/Rural Development, Conventional, Jumbo, First Time Homebuyer programs and more. Also specializing in HUD homes, Bank Repo's, Foreclosures, and more.
(225) 664-0360 Lender's profile and map Reviews DSLD Mortgage 7660 Pecue Lane, Suite 300, Baton Rouge, LA, 70809 We want to create the best customer experience when you are purchasing your home. Our reputation lies in the trust and respect that we have earned from our homeowners across the South. We pride ourselves in our outstanding customer satisfaction, accuracy and our ability to close your loan on time. DSLD Mortgage will lead, support,
(601) 894-2831 Lender's profile and map Reviews Copiah Bank 101 Caldwell Drive, Hazlehurst, MS, 39083 October, 1891, the founders of Copiah Bank opened our doors in service to families and business owners who were largely ignored by bigger-city banks. Theirs was a vision of a bank that would provide responsive solutions, exceptional service, fiscal integrity, and value for those we serve.
(225) 767-3056 Lender's profile and map Reviews Neighbors Federal Credit Union 12529 Perkins Road, Baton Rouge, LA, 70810 Neighbors Federal Credit Union is a not-for-profit financial cooperative operating as an association dedicated to "people helping people." A handful of educators started Baton Rouge Teachers in 1954 with a shoe box, a couple hundred dollars and the goal of making financial services available to school system employees in our area.
(361) 888-9310 Lender's profile and map Reviews First Community Bank Texas 416 North Water Street, Corpus Christi, TX, 78401 First Community Bank is a traditional community bank — our employees are shareholders of the bank, which means they have a personal interest in creating satisfied customers. We are rooted in South Texas, and we know, understand and serve the residents and businesses of the Coastal Bend at 10 convenient bank locations.