USDA Vs. FHA your options comparison in Woodway, McLennan County, TX

In 2026, the USDA loan limit for Woodway in McLennan, TX is $336,500, whereas the FHA cap for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates. Establish the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA side by side, helping you choose the perfect program in for your financial situation.

Examine loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Woodway, McLennan 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 Woodway, TX

The aim of Lendersa® is to efficiently secure the optimal USDA or FHA loan for you. Begin your journey from one of three paths that connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is a government-backed mortgage by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Fulton Savings Bank
  • 75 South First Street, Fulton, NY, 13069
  • Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more.
    For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.

  • Pathfinder Bank
  • 214 West First Street, Oswego, NY, 13126
  • Our company mission is to foster relationships with individuals and businesses within our communities to be the financial provider of choice. Our goal is to continually enhance the value of the bank for the benefit of our shareholders, customers, employees and communities. Pathfinder Bank has been serving the Central New York community since 1859.

  • Oswego Teachers Federal Credit Union
  • 90 West Utica Street, Oswego, NY, 13126
  • Oswego Teachers' Employees FCU has been serving the employees of Oswego county school districts since 1961. We are not the biggest, but the best in meeting our members' saving and borrowing needs. Our low cost structure and philosophy provides you a better alternative to other larger financial institutions. Come talk to one of our 6 employees

  • Oswego County FCU
  • 90 E Bridge Street, Oswego, NY, 13126
  • Founded in 1975, Oswego County FCU is a member-owned, not-for-profit financial cooperative association dedicated to providing quality financial products and services delivered in a professional, courteous and timely manner. We currently serve the financial needs of approximately 11, 000 members from throughout Oswego County

  • Montgomery Mortgage
  • 2230 Route 206, Belle Mead, NJ, 08502
  • "Montgomery Mortgage has an estimated 99% customer satisfaction rate. After nearly 15 years of service, we do not have a single complaint with the New Jersey Department of Banking.
    We have the highest rating possible with the Better Business Bureau. Licensed as Mortgage Bankers, not just a Broker"

  • Quickline Capital Partners, Inc
  • 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088
  • We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.

  • Paragon Home Loans, Inc
  • 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088
  • Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.

  • Money Federal Credit Union
  • 100 Madison Street, Syracuse, NY, 13202
  • Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources

  • MHD Empire Service Corp.
  • 300 South State St, Suite 1000, Syracuse, NY, 13202
  • At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast.

    Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for

  • CNY MBA, Inc.
  • 120 Madison St, 18th Fl, Syracuse, NY, 13202
  • The Central New York Mortgage Bankers Association is gearing up for our upcoming year. Whether you are a mortgage banker, mortgage broker, appraiser, attorney, credit professional, homebuilder, home inspector, insurance agent, realtor or title insurer, a CNY MBA membership offers you a forum for business and social exchange.

  • Wayne Bank
  • 717 Main Street, Honesdale, PA, 18431
  • Founded in 1871 in Honesdale, PA, Wayne Bank has 26 community offices serving Northeast Pennsylvania, along with Delaware and Sullivan Counties in New York State. Wayne Bank also operates offices as Bank of the Finger Lakes and Bank of Cooperstown in Ontario, Seneca, Yates, and Otsego Counties in New York State.