USDA VS FHA in Tyler, Smith County, TX

For 2025, the USDA loan limit in Tyler, situated in Smith County, TX, is set at $336,500. The FHA loan limit for a single-family home is $472,030 during the same period.

The Lendersa® USDA loan calculator enables you to compare the current USDA vs. FHA rates, helping you determine the necessary income, credit status, reserves, and documents required for eligibility. You can view USDA, FHA, Conforming, and VA loans side by side with our advanced mortgage calculator, assisting in identifying the best program for your unique financial condition in .

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Information on 2025 Loan Limits and Down Payment Requirements in Tyler, Smith, TX

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

Discover USDA and FHA Loan Options in Tyler, TX

Lendersa® is committed to securing the optimal USDA or FHA loan for you quickly, with minimal hassle. Choose one of three available options to connect with lenders and relevant USDA loan programs.

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Understanding USDA Loans in TX

A USDA home loan is government-backed by the Department of Agriculture and often referred to as the USDA rural development loan or USDA mortgage. It is available exclusively in rural settings. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage demands no upfront payment.

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



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