For 2026, the USDA loan limit in West-University-Place, part of Harris county, TX, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare the current leading rates for USDA and FHA loans and check the required income, credit, reserves, and documentation for qualification. Our advanced mortgage tool offers side-by-side comparisons of USDA, FHA, Conforming, and VA options, enabling you to choose the most suitable program for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to provide you with the best USDA or FHA loan quickly and easily. Start with any of the three options to match with lenders and USDA loan programs.
The USDA home loan is backed by the Department of Agriculture, also termed the USDA rural development loan or USDA mortgage. It's exclusively available in rural areas. Unlike FHA loans necessitating a minimum 3.5% down payment, the USDA loan requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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