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
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| Loan Type | Loan Limit | Down Payment Requirement |
| USDA | $360,600 | 0% |
| FHA | $531,300 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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