FHA VS Conventional loan programs in 2026 for DeSoto, Dallas County, Texas

In 2026, the conventional loan limit for DeSoto, situated in the county of Dallas, TX, is $726,200, while the FHA limit for a single-family home is $531,300.

To compare the best rates available today for Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. Determine necessary income, credit health, reserves, and documentation to qualify. Our comprehensive mortgage tool places Conforming Conventional loans alongside USDA, FHA, and VA loans to help decide on the program most suitable for your situation in TX.

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2026 Loan Limits and Downpayment Requirements for DeSoto, County of Dallas, TX

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $531,300 3.5%

This table pertains to the zip codes: 75115, 75123

Discover Conventional and FHA Loan Options in DeSoto, TX

Lendersa® aims to find you the optimal Conventional, USDA, or FHA loan swiftly and hassle-free. Choose one of three paths leading to matched lenders and loan programs.

Overview of Lendersa's USDA loan requests and results


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