USDA and FHA Pro and Con in Waco, McLennan County, TX

In 2025, USDA loan limit in Waco, county of McLennan, TX is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Waco, county of McLennan, 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 Waco, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Stone Coast Mortgage
  • 367 Main St, Westbrook, ME, 04092
  • "We are committed to providing the highest level of customer service to make your transaction as smooth as possible. For over 20 years, we have been serving our community with the best in mortgage lending. Located in Westrook, Maine, Stone Coast Mortgage has been serving clients for 20+ years. Stone Coast Mortgage offers a multitude of residen
  • Phil Lyman
  • 9755 SW Barnes Road, Suite 470, Portland, OR, 97225
  • Phil Lyman in 2018 after spending more than seventeen years doing residential loans. Prior to that, Phil earned a BS in Sociology from Portland State University. For several years, Phil specialized in working with clients buying investment properties. Phil Lyman licensed in Oregon, Washington, Idaho and California.
  • Alliance Capital Partners Corp
  • 4535 SW Laurelwood Avenue, Portland, OR, 97225
  • Alliance Capital Partners is dedicated to helping clients achieve their financial goals by offering multiple loan programs which are identified per individual transaction need. We are a service based company, and want to focus on facilitating a positive experience for each client. Rather than having to deal with a major bank on your own.
  • Iron Bridge Lending
  • 9755 SW Barnes Road, Suite 420, Portland, OR, 97225
  • Iron Bridge was established amidst the ashes of the housing crisis of 2009 to fill a gap in funding sources for residential rehabilitation and new construction projects. Ever since, we have achieved year on year success in servicing the needs of our borrowers, and providing our investors with attractive returns.
  • Homestead Mortgage Loans Inc.
  • 840 Roosevelt Trail, Windham, ME, 04062
  • "Our team has built a strong reputation as an outstanding local mortgage company, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending"
  • NORTHSTAR MORTGAGE GROUP LLC
  • 625 Roosevelt Trail, Windham, ME, 04062
  • Northstar Mortgage Group LLC specializes in matching home buyers with the right mortgages. We’re committed to providing the highest quality service available anywhere. Northstar Mortgage Group LLC is Mortgage Broker so we can custom fit your needs! When you get pre-approved through Northstar Mortgage Group.
  • Lighthouse Financial Enterprises, Inc
  • 110 Wallace Rd. NW, Salem, OR, 97304
  • At Lighthouse Financial Enterprises, Inc. our mission is to set a high standard in the mortgage industry.We are committed to quality customer service- putting the people we serve first.Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for your family from the many mortgage options.
  • Jenny Kuball | Capitol Mortgage Company Loan Officer
  • 2254 Wilmington Ave NW, Salem, OR, 97304
  • As a locally owned company with operations in the greater Salem and Portland metro areas, we are passionate about helping our fellow Oregon residents and investors. We proudly offer a significant range of financing programs, including conventional, FHA, VA, USDA, and even private money financing.
  • Financial Services Unlimited, Inc.
  • 11950 SW 2nd Street, Beaverton, OR, 97005
  • Financial Services Unlimited, Inc provides loan origination for manufactured homes in CAL, OR, WA & TX. We have been operating for over 20 years across the entire nation but have now focused in the above-mentioned regions. Only chattel loan financing is provided, specifically for homes in leased communities or on leased private land
  • Prestige Residential Loans LLC
  • 4970 Southwest Griffith Dr, Suite 205, Beaverton, OR, 97005
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with low interest rates and closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Coast Line Credit Union
  • 333 Cottage Road, South Portland, ME, 04106
  • Coast Line Credit Union, originally chartered as Railroad Workers Credit Union of Maine, was organized in 1927 to serve the employees of the Maine Central Railroad Company and/or Portland Terminal Company. In 1996 the name of the credit union was changed to Coast Line Credit Union to reflect its expanded field of membership.
  • Maine Media Federal Credit Union
  • 295 Gannett Drive, South Portland, ME, 04106
  • Maine Media Federal Credit Union is committed to providing the highest level of financial service to our membership, a group comprised of media professionals and their family members. Maine Media Federal Credit Union sets itself apart from the rest with personal, friendly service - it's the foundation we're built on.