In Waco, situated within McLennan County, TX, the USDA loan limit for 2026 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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