In the year 2026, the USDA loan cap for Vernon, situated in the county of Wilbarger, TX, stands at $336,500. Meanwhile, the FHA limit for a single-family residence is set at $472,030.
Explore the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA interest rates available today. The tool also helps you assess the necessary income, credit profile, reserves, and documentation for qualification. Our state-of-the-art mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, guiding you to the best program suitable for your financial scenario in
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| Loan Category | Maximum Loan | Initial Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
The aim of Lendersa® is to secure you the swiftest and most hassle-free USDA or FHA loan possible. Choose from three initiation paths that will connect you with lenders and USDA loan offerings.
A USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development or mortgage loan, is exclusively accessible in rural communities. While FHA loans necessitate at least a 3.5% down payment, a USDA mortgage requires no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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