In 2025, the USDA loan cap in Wharton, located in Wharton county, TX, is set at $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's finest USDA against FHA rates. Identify the required income, credit, reserves, and necessary documents for qualification. With our advanced mortgage calculator, observe USDA, FHA, Conforming, and VA options for comparison, aiding you in selecting the optimal program in that suits your financial plan.
2025 Loan Limits and Down Payment Requirements in Wharton, Wharton County, 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 Wharton, TX
Lendersa® aims to swiftly secure the most advantageous USDA or FHA loan with minimal hassle. Choose from one of three approaches to connect with lenders and USDA loan offerings.
A USDA home loan, guaranteed by the government’s Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is exclusively available for rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full service financial institution serving people who live, work, worship, or attend school in Greater Southwest Michigan. With more than $795 million in assets and over 47, 000 members through 13 branches in Battle Creek, Kalamazoo, Portage, Three Rivers, Marshall
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Onward Financing uses dedicated, private capital along with the traditional mortgage market to enable home financing options that traditional sources won’t allow. We help qualified borrowers buy the home they want without paying multiple mortgages, moving twice, or risk not qualifying for a traditional mortgage
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Fortifi Bank, formerly 1st National, has been Banking with folks just like you for more than 140 years. That means we have been in business since 1876. Over time, the economic landscape changes, but one thing stays the same – people need financial security to build their dreams upon.
