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Clay County, Texas FHA, VA, and USDA Loan Information

2020 Clay County Government Home Loan Limits

FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
USDA Loan Limit $251,862
VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 888-573-4496 for details).


USDA Loan Limit

USDA Eligible zip codes: 76228, 76357, 76365, and 76377

Make your home search easy by calling FedHome Loan Centers at 877-432-5626.


Clay County is located on the northern edge of Texas and is a hub for Texas history and culture. Make sure to visit all the beautiful outdoor spots in the county to enjoy in great views of local wildlife and waterways. You may find some interest in the attractions in and nearby the county, including museums and historical landmarks. The county is home to an excellent education system, which includes a variety of educational resources. Clay County was officially founded in 1860 and was named after Henry Clay, who served on the United States Senate. The current population of the county is 10,421.

Enjoy in all your favorite outdoor activities at any of the scenic natural attractions in Clay County. Lake Arrowhead State Park offers some of the best local views and is home to miles of scenic trails, perfect for hiking, biking, and horseback riding. For a relaxing camping experience, visit any of the beautiful campsites in Lake Arrowhead State Park. Lake Arrowood is a local favorite for all aquatic activities, including fishing, boating, and swimming. The Red River Valley Area offers some of the best canoeing and kayaking opportunities. Visit any of the local parks to enjoy in their picnic shelters, playground equipment, and walking paths.

Make sure to visit all the interesting attractions in and nearby Clay County for some fun in your free time! Host your next party, meeting, or other gathering at the Holman Conference Center, which features all the amenities you will need! A variety of rooms of various sizes are available at the Holman Conference Center. Have fun while learning about local history at the 1890 Jail Museum-Heritage Center, which features a variety of interesting exhibits and artifacts, including historic photos and documents. There are also many excellent shopping and dining options in the area.

If you are the parent of a child or young adult, then you can be sure your child will receive an excellent education in Clay County. The county offers a variety of educational resources, including libraries, tutoring programs, and more. Be sure to attend all the exciting events hosted by the local schools, including stage performances, art showcases, and stage performances. Many afterschool programs are available for children of all ages to join, including football, basketball, baseball, volleyball, and band.


Make Your Home Search Easy

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Clay County Property Search

Bellevue, Byers, Dean, Henrietta, Jolly, Petrolia, Windthorst

76228, 76230, 76261, 76302, 76305, 76310, 76357, 76365, 76377, 76389

For a list of beautiful homes currently available, call FedHome Loan Centers.


Clay County Condo Search

Call FedHome Loan Centers to get a condo approved.