USDA VS FHA in Zapata, Zapata County, TX

In 2026, the USDA loan limit for Zapata, located within Zapata county, TX, stands at $336,500. The FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to check today's leading USDA versus FHA rates. Find out the necessary income, credit score, reserves, and required documents to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, enabling you to decide which program in aligns best with your financial needs.

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2026 Loan Limits and Down Payment Requirements in Zapata, Zapata County, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Zapata, TX

The aim of Lendersa® is to quickly and conveniently help you secure the best possible USDA or FHA loan. You can select from three starting points, each leading to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in TX

The USDA home loan is backed by the government's Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage. It is only accessible in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage loan does not demand any down payment, making it an attractive option for qualifying applicants.

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



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