USDA and FHA Pro and Con in Victoria, Victoria County, TX
In 2026, the USDA loan limit for Victoria, located in Victoria county, TX, is $336,500. By contrast, the FHA limit for single-family houses is $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates, while assessing the income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, guiding you to select the most fitting program for your financial situation in Alabama.
Loan Limits and Down Payment Requirements for 2026 in Victoria, Victoria, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Victoria, TX
Lendersa®'s purpose is to provide you with the best USDA or FHA loan quickly and without headaches. You can start with any of three options that align you with suitable lenders and USDA loan programs.
The USDA home loan, guaranteed by the government's Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, the USDA mortgage requires none.
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