USDA Vs. FHA Pro and Con comparison in Willow-Park, Parker County, TX

In 2025, the USDA loan limit for Willow-Park, located in Parker county, TX, is $329,300, while the FHA limit for a single-family home is $411,700.

Make use of the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates. This will help you determine the income, credit, reserves, and necessary documents needed to qualify. Using our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, aiding in the selection of the best program in for your unique financial situation.

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Overview of 2025 Loan Limits and Down Payment Requirements in Willow-Park, Parker, TX

Loan Type Loan Limit Down Payment
USDA $329,300 0%
FHA $411,700 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Opportunities in Willow-Park, TX

Lendersa® is committed to helping you secure the best USDA or FHA loan quickly and without hassle. Choose from one of three starting points that lead to matching lenders and optimal USDA loan programs.

Results from a Lendersa USDA loan request

What Is a USDA Loan in TX?

An USDA home loan, supported by the government's Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural communities. Unlike FHA loans, which require a minimum of a 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • United Energy Credit Union
  • 8790 FM 1960 Bypass W, Suite A 500, Humble, TX, 77338
  • United Energy Credit Union has been open since 1934. The credit union has assets totaling $29.41 Million and provides banking services to more than 4, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • InvesTex Credit Union
  • 8404 FM 1960, Humble, TX, 77338
  • Since the beginning, InvesTex Credit Union has grown and expanded our field of membership. As we look forward to a new chapter in Credit Union history, we look back fondly on the past. In the fall of 1952, Aldine Teachers Credit Union was formed by a small group with a vision to meet the needs of the employees
  • Houston Belt & Terminal Federal Credit Union
  • 9810 FM 1960 Bypass W, Suite 105, Humble, TX, 77338
  • Houston Belt & Terminal Federal Credit Union was organized in 1949. Our philosophy as a member-owned credit union is not for profit, not for charity but to serve our membership. HB&T FCU is dedicated to providing its members with courteous, efficient and professional financial services while maintaining the highest ethical standards.
  • Texas Professional Mortgage
  • 848 Dominion Drive, Suite 200-A, Katy, TX, 77450
  • "Texas Professional Mortgage (TPM) is a full service correspondent lender founded on the practice of exceeding customer expectations for service, competitive interest rates and low closing costs. Being a correspondent lender, we have relationships with many investors that allow us to offer a wide array of mortgage loan programs"
  • Front Porch Mortgage LLC
  • 916 Sterling Creek Circle, Katy, TX, 77450
  • Here to provide you with detailed one on one service to walk you through the mortgage process while giving you the best service, rates and fees available. We will be your mortgage contact for life helping you through all your needs. We have access to some great new programs! If you have a question we are here to help.
  • Range Mortgage LLC
  • 22503 Katy Freeway, Katy, TX, 77450
  • Range Mortgage, we believe in connecting buyers with the best loan possible. One term sheet doesn’t apply to every loan–we create solutions tailored to each individual borrower. Our team of specialists will work to find a solution that fits your unique needs. We are dedicated in finding an option that will solve any concerns.
  • The MINT National Bank
  • 1215 Kingwood Drive, Kingwood, TX, 77339
  • The MINT National Bank is a new community bank serving the greater Houston area. Opening on January 5, 2009, the Bank has grown steadily by by being attentive and responsive to its customers. As the economy improves, The MINT stands ready to assist customers with financing business acquisition and expansion.
  • Mortgage Financial Services
  • 1110 Kingwood Drive, Suite 280, Kingwood, TX, 77339
  • Our goal is to help homebuyers achieve the American Dream of homeownership. Whether you are a first time home buyer or purchasing a second home, Mortgage Financial Services is dedicated to providing quality service and products that help customers achieve their objectives throughout the home buying process. We want you to DREAM BIG,
  • Lone Star Financing
  • 1525 Lakeville Drive, Suite 137, Kingwood, TX, 77339
  • Lone Star Financing is a direct lender offering a full line of home loan products with low rates, low fees, and really fast closings. We strive to close every loan in 28 days or less! As a local Texas mortgage company with in-house underwriters, we have the flexibility to underwrite loans using “common sense” underwriting giving us efficiency.
  • Atrich LLC
  • 350 North Sam Huston Parkway East, Suite101, Houston, TX, 77060
  • Atrich is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools