Explore the differences! FHA VS Conventional loan programs in DeSoto, Dallas County, Texas

In 2025, 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.

Access loan offers from 100 lenders

2025 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


  • KEMBA Credit Union
  • 444 South Shortridge Rd, Indianapolis, IN, 46219
  • On October 9, 1933, KEMBA Indianapolis Credit Union was chartered to serve the employees of the Kroger Company and their families in and around Indianapolis. The credit union was started by a group of Kroger employees who needed a safe place to save and borrow. KEMBA is an acronym for “Kroger Employee Mutual Benefits Association”.
  • Stillman Bank
  • 101 East Main Street, Stillman Valley, IL, 61084
  • "Stillman Bank is a local, independently-owned community bank founded in 1882 and has been meeting the financial needs of our customers in northern Illinois for more than a century. We offer the products and services you expect from big banks, but we do it with a friendly, hometown touch. And, because we are a community bank,"
  • Remarkable Mortgage
  • 35 North Main Street, Watkinsville, GA, 30677
  • Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.
  • Aviante Mortgage
  • 1351 Jennings Mill Rd, Suite A, Watkinsville, GA, 30677
  • "Aviante Mortgage is placed in the lineup among other Real Estate Companies. This establishment is rated 4 by NiceLocal users and provides its services in Georgia city by the official address: Watkinsville, GA 30677, 1351 Jennings Mill Rd. Geographic system coordinates are: longitude — 83°27'42.66''W (-83.46185), latitude — 33°55'5.52''N (33.9182
  • Classic City Bank
  • 2365 W. Broad Street, Athens, GA, 30606
  • Classic City Bank is a local, community bank that was started in Athens, Georgia, in November 2020, with the goal of providing the businesses and the citizens of the Athens community "banking the way it should be". With over 100 years of combined banking experience in the Athens market, the management team of Classic City Bank offers a Local
  • Bank South Mortgage
  • 100 Athens Town Boulevard, Suite 2, Athens, GA, 30606
  • BankSouth is a community bank headquartered in Lake Oconee, Georgia. Serving our communities for over 70 years, we offer the flexibility, warmth and customer service that only local decision-making can provide. With branch offices in Lake Oconee, downtown Greensboro, Watkinsville, Atlanta, and Savannah, Georgia,
  • Nation's Mortgage Investors Inc
  • 6408 Landborough N Dr, Indianapolis, IN, 46220
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • LJI Wealth Management
  • 6569 Carrollton Avenue, Indianapolis, IN, 46220
  • As an Independent firm our focus is solely on helping you. When it comes to investment advice, we are fee-based. We have no incentive to work with a specific mutual fund company – ever. Our clients come from all walks of life. The common thread is they all appreciate objective, professional advice and solutions based on experience.
  • American Southwest Credit Union
  • 3090 E Fry Blvd, Sierra Vista, AZ, 85635
  • We are a Co-Op and we help you thrive! By providing personal and business financial services to our members, with local decision making and local community investments, everyone benefits. We truly care about the success and financial well-being of our members. And when our members prosper, so do our communities.
  • Earthmover Credit Union
  • 2195 Baseline Road, Oswego, IL, 60543
  • Earthmover Credit Union's vision is to provide its members with quality products and exceptional service while maintaining a competitive rate of return on deposits, the security of capital strength, and competitive rates on loans. When you become a part of Earthmover Credit Union, don't worry about asking us for help You can rest assured.
  • Direct Mortgage Investors, Inc.
  • 5533 west 109th Street, Lawn, IL, 60543
  • Direct Mortgage Investors, Inc has always been forward-thinking, with creative financing options for those with challenges. With partnerships with over 200 banks and Investors, we create a frictionless process to bring in the new era of mortgage loan pathway, which many of our competitors call our process unique and seamless.