In the year 2025, the USDA loan limit in White-Oak, situated in Gregg, TX, is set at $285,000. In contrast, the FHA loan cap for a single-family residence is $356,362.
With the Lendersa® USDA loan calculator, you can evaluate today's best rates offered by USDA compared to FHA options, helping you determine the necessary income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator allows for a side-by-side view of USDA, FHA, Conforming, and VA loans, supporting your decision-making for the best program 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% |
The core mission of Lendersa® is to connect you with the most suitable USDA or FHA loan quickly and effortlessly. You can begin with one of three entry points which lead you to matching lenders and tailored USDA loan opportunities.
A USDA home loan is backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available primarily in rural areas. Unlike FHA loans that require a minimum down payment of 3.5% before purchase, USDA loans do not necessitate any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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