USDA Vs. FHA your options comparison in West, McLennan County, TX
In 2026, the USDA loan limit in West, located in the county of McLennan, in TX, stands at $336,500. Meanwhile, for single-family homes, the FHA limit is $472,030.
Lendersa® offers a USDA loan calculator to compare USDA and FHA best rates available today, helping you determine the necessary income, credit, reserves, and documentation for qualification. With this advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which plan in is best suited to your specific financial situation.
2026 Loan Thresholds and Down Payment Conditions in West, county of McLennan, TX
Type of Loan
Maximum Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in West, TX
The main goal of Lendersa® is to ensure that you find the fastest and least complicated path to the best USDA or FHA loan possible. You can choose from three starting points that link you with matching lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. This loan is exclusive to rural areas, and unlike FHA loans that typically require a 3.5% minimum down payment, USDA mortgages require none.
Fidelity Bank of Texas has continued to serve individuals, families and businesses in the local community since its inception. Customers are treated like family and we pride ourselves on the personal attention given to each customer. Give us a call at either one of our locations for any of your banking needs
At Community Bank & Trust, our mission statement is "Serving Beyond Expectations." By making this statement, we are making a pledge that our core purpose is to provide quality financial services with excellence and professionalism to Central Texans. Community Bank & Trust was founded in 1952 as a customer-oriented, convenient bank.
Highway District 9 Credit Union was chartered July 28, 1953, serving the Texas Department of Transportation (TxDOT) District 9 employees and their family members. Highway District 9 Credit Union has always been committed to the best interest of our members. That’s why we were founded in the beginning, and it’s something we still believe in today.
NeighborWorks® Waco is a non-profit organization whose mission is to build stronger neighborhoods through homeownership, quality rental housing and community-building initiatives. Our team will continue work both on site and remotely, and will be available by mail and phone. We have decided to temporarily.
Waco Federal Credit Union To provide a safe and financially sound institution where members can invest their savings with peace of mind and assurance that their financial needs will be met with ethical and responsible, friendly service. The commitment to providing competitive rates, both dividends on savings and interest on loans.
Central National Bank was founded in Waco in 1977 as a “neighborhood bank." After two decades of growth and poised as Waco’s Leading Independent Bank, Central National Bank expanded into Temple and Austin to serve Central Texans along the I-35 corridor from Waco to Austin, with 40 years of service and approximately $1 billion in assets.
GENCO Federal Credit Union was originally created to meet the financial needs of employees of the General Tire and Rubber Company (Waco Plant) and their immediate families. GENCO's first office building was built in 1960 at 1905 Kendall Lane. GENCO's Board of Directors decided to purchase a building in the heart of the Waco business.
First Central Credit Union is a Financial Services company located in Central Texas, United States. We are a not-for-profit credit union meaning we pass along to you savings and funds from profits as less fees and better rates -- as we provide secure competitive financial services, Exceeding the needs of our members.
At The First National Bank of Central Texas, we see a true value in personal service. When you call our bank a knowledgeable banker will receive your call, no automated voice response system. We continually strive to embrace technology in order to improve convenience and efficiency, but we are conscious to not allow these technological tools.
