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McCulloch County, Texas (FedHome Loan Centers)

The 2019 $0 down, federal home loan limit for McCulloch County is $314,827.

McCulloch County is based square in the middle of Texas. The rural chunk of land in central Texas is northwest of Austin and southwest of Dallas-Fort Worth. The population of McCulloch County is 8,285. The total land size of the county is 1,073 square miles. The county was founded in 1856, yet not organized until twenty years later. The county seat is Brady.

The territory is named after Benjamin McCulloch, a legendary Texas Ranger who also fought for the Confederate army during the Civil War. Prior to white settlement the land was inhabited by various Native Americans including Comanche and Apache as well as Tonkawa, Lipan, and Tawakoni. Jose Mares and his Spanish expedition ventured through modern day McCulloch County while traveling from San Antonio to Santa Fe, New Mexico. Cotton was the primary source of the economy in the 20th century which benefits from the establishment of the Fort Worth and Rio Grande Railway. 

Brady is the largest town in McCulloch County. The population was 5,530 based on data from the 2010 census. The community is known as “The Heart of Texas” considering the geographical center of the state exists just 15 miles northeast of Brady. Melvin (population 180) is the only other recognized town in the county. Meanwhile, the county has several unincorporated establishments including Doole, Fife, Mercury, Pear Valley, Rochelle, Salt Gap, and Voca.

Brady is nearly at the center of McCulloch County and has multiple important routes that travel through the small town. U.S. Highway 377 travels into Brady from the north where it eventually connects to I-20 toward Fort Worth and Dallas. U.S. Highway 283 is another important northern route which eventually connects to Abilene. Meanwhile, U.S. Highway 87 and U.S. Highway 190 are important east and west highways. 

Brady has been recognized as an import regional shipping point given its location to the Fort Worth and Rio Grande Railway. Its importance was even higher after the arrival of The Gulf, Colorado, and Santa Fe Railway in 1912. Brady used Curtis Field to train pilots during World War II, and also had a German POW camp about three miles east of town. The population of Brady peaked in the 1950s. Brady Reservoir was created in 1963 to assist with flooding.

Brady Creek Reservoir exists just west of downtown Brady. The dam was completed in 1963 to help with flooding that had become predominant in the region. The most popular outdoor recreation activity on the lake is fishing. Brady Reservoir is stocked with largemouth bass, channel catfish, and crappie. Boats are also allowed on the lake to fish deeper waters. Additional outdoor recreation opportunities are available northwest of McCulloch County at O.H. Ivie Lake and north at Lake Brownwood. 

The principle farming and ranching community as also been supported with sand-mining operations and mohair-combing over the last several decades. McCulloch County is supported by the Brady Independent School District which takes care of students in Brady and Melvin. 


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McCulloch County Property Search 

Brady, Doole, Lohn, Melvin, Rochelle, Voca 

76825, 76836, 76852, 76858, 76872, 76887 

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McCulloch County Loan Limits  

FHA: $314,827 

USDA: $251,862 

VA: $484,350 


FHA Loan Limits

One-Unit: $314,827 

Two-Units: $403,125 

Three-Units: $487,250 

Four-Units: $605,525 


USDA Loan Limit 

Very Low Income: $29,350 

Low Income: $46,950 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in McCulloch County are: 76825, 76836, 76852, 76858, 76872, and 76887 

Contact FedHome Loan Centers at 877-432-5626 to confirm eligibility.