USDA Loan Vs. FHA loan for Waco, TX [McLennan County ]

In Waco, situated within McLennan County, TX, the USDA loan limit for 2025 is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

With the Lendersa® USDA loan calculator, you can explore today's top USDA and FHA rates and identify the income, credit, reserves, and documentation necessary for qualification. Our cutting-edge mortgage calculator offers a comparative look at USDA, FHA, Conforming, and VA options, assisting you in choosing the best program for your financial scenario in .

Exploring USDA and FHA Loan Choices in Waco, TX

Lendersa® seeks to swiftly secure the most suitable USDA or FHA loan for you, with minimal difficulty. Choose any of the three initial services that will match you with lenders and relevant USDA loans programs.

Lendersa USDA loan request and matching results

What Constitutes a USDA Loan in TX?

The USDA home loan is a government-backed loan through the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural locales. Unlike FHA loans, which mandate a down payment of at least 3.5%, the USDA mortgage does not require a down payment at all.

Get top 10
USDA LENDERS
customized to yout needes

(936) 634-7922 Lender's profile and map Reviews Angelina County Teachers Credit Union 402 South Medford Drive, Lufkin, TX, 75901 The credit union was started in 1954 by a small group of teachers from Lufkin ISD. Mr. Pop Ward and Miss Zelma Cook were instrumental in the beginning. The credit union is a state chartered credit union and answers to the Texas Credit Union Department. Savings are insured by the National Credit Union Association up to $250, 000.00.
(281) 872-7800 Lender's profile and map Reviews Jet Lending, LLC 1419 FM 1960, Houston, TX, 77073 Jet Lending, LLC was founded on 2004 for the purpose of assisting real estate investors in their purchase of property quickly with as little cash out-of-pocket as possible. We loan money for the purchase and escrow additional funds for repairs. We have originated more than 2,000+ loans for real estate investors in Texas, totaling over $250,000,000.
(713) 455-8586 Lender's profile and map Reviews SPCO Credit Union 12755 N Houston Rosslyn Road, Houston, TX, 77086 SPCO Credit Union began by serving railroad employees. Over the years we have expanded to serve employees in the printing industry as well as community members throughout Houston. Membership is free to those who live, work, worship or go to school within 10 miles of any of our branch locations.
(281) 367-9595 Lender's profile and map Reviews INTERLINC MORTGAGE SERVICES, LLC 5875 North Sam Houston Parkway West, Suite 300, Houston, TX, 77086 InterLinc, we believe that in order to deliver the “service without exception” experience, we must have the ability to manage every aspect of the mortgage process. As a mortgage company, InterLinc provides in-house origination, processing, underwriting, and closing. By using this full-service approach, we do not have to rely on anyone
(903) 657-1466 Lender's profile and map Reviews Texas Bank Henderson TX 1120 Highway 79 North, Henderson, TX, 75652 Texas Bank first opened its doors for business in May 1973. The bank was originally established in Tatum, Texas by a group of local investors who saw the need for financial services from a community institution that could better serve the town's needs. The bank experienced success and grew steadily.
(903) 657-8521 Lender's profile and map Reviews VeraBank 201 W. Main St., Henderson, TX, 75652 At VeraBank, we strive to be the preferred financial services provider in the markets we serve. We accomplish this by maintaining our deep community bank roots and independent spirit, while offering outstanding service to our customers, relevant products and efficient channels to use them, delivered by the best
(303) 972-9800 Lender's profile and map Reviews SOUTH PARK MORTGAGE LLP SK 12-A Lake Cherokee, Henderson, TX, 75652 The South Park Mortgage, LLP team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(281) 876-7576 Lender's profile and map Reviews Light Commerce Credit Union 11235 Crown Park Drive, Houston, TX, 77067 Light Commerce Credit Union (“LCCU”) opened for business on January 31, 2004. Our field of membership includes all New Light Church members, A.I.M. Pastors, and residents/employees of Faith Village Apartments. Once a member of LCCU, all relatives by blood or marriage and friends are welcome to join.
(833) 425-6678 Lender's profile and map Reviews A & K Mortgage 25404 Highway 59, Suite 204, Porter, TX, 77365 "A & K Mortgage is a wholesale brokerage dedicated to educating our clients and providing superior service in the home buying process. As a wholesale broker, we are able to offer buyers options to loan products and unique financing. We have offer loans FHA, Conventional, USDA, VA, Non-QM, Commercial, Manufactured homes, Condos, etc"
(936) 422-3000 Lender's profile and map Reviews UBank 4822 North Street, Nacogdoches, TX, 75965 "Today, we stand as one of the last remaining community banks in East Texas, and our commitment to you has only grown stronger. Every product and service we offer is designed with your best interest in mind. From providing you with the latest financial products and tools to offering you the know-how advice to help you grow, we do it all for you.
(903) 965-7755 Lender's profile and map Reviews Cendera Bank, National Association 615 E. Bells Blvd, Bells, TX, 75414 Cendera Bank is located in Benbrook, Texas. At this location, Cendera Bank employs approximately 3 people. Cendera Bank. They provide the following services: Full Service Office Location and are located at 615 E. Bells Blvd in Bells Texas. Cendera Bank, N.A. is currently looking to add highly motivated, high integrity team members
(903) 583-5522 Lender's profile and map Reviews Fannin Bank 230 East 3rd Street, Bonham, TX, 75418 Fannin Bank was organized in November 1921 as the Guaranty State Bank in Windom, Texas. By June 1922 the bank had $158,046 in assets. The name was changed to Fannin Bank in 1976, and in 1987 a branch office was opened in the town of Bonham. The Honey Grove branch opened in 2008 with the headquarters moving to Bonham the same year.