As of 2026, the USDA loan threshold in Wimberley, within Hays county, TX, stands at $386,400. On the other hand, the FHA cap for a single-family dwelling is $571,550.
Use the Lendersa® USDA loan calculator to analyze today's top USDA vs. FHA rates, and figure out the income, credit, reserves, and documentation requirements for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options simultaneously, aiding in the selection of the best program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $386,400 | 0% | |
| FHA | $571,550 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to promptly connect you with the most favorable USDA or FHA loan without complexities. Start by choosing one of three pathways that match you with lenders and USDA loan programs.
The USDA home loan is endorsed by the Department of Agriculture, also labeled as a USDA rural development loan or mortgage. It is exclusively available in rural settings. Contrary to FHA loans, which require a down payment of at least 3.5%, no down payment is necessary for a USDA mortgage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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