FHA VS Conventional loan programs in Garland, Dallas County, Texas

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

Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. It's designed to help you understand the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator compares Conforming Conventional loans alongside USDA, FHA, and VA options, guiding you to select the most suitable program for your financial scenario in TX.

Compare loan offers from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Garland, 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 comparison table is applicable to the following zip codes: 75044, 75041, 75040, 75043, 75042, 75046, 75047, 75049

Exploring Conventional and FHA Loan Options in Garland, TX

Lendersa® aims to secure the best possible Conventional, USDA, or FHA loan for you swiftly and easily. Choose one of three starting options to find matching lenders and loan programs.

Results from Lendersa USDA loan requests and matching


  • Premier 100 Mortgage
  • 710 Kipling St, Lakewood, CO, 80215
  • At Premier 100 Mortgage, LLC all of our underwriting and closing is done in-house, allowing us the greatest measure of control and communication throughout the process, from pre-qualifying to closing. We also have access to the most competitive rates and program offerings on conventional, FHA, and VA mortgages.

  • Macro Financial Group Inc
  • 9450 West 11th Avenue, Denver, CO, 80215
  • "Since 1995, with our over 100 years of combined mortgage lending & real estate experience,

    Macro Financial Group has originated thousands of home loans for the residents of Colorado.

    In an ever-changing industry we pride ourselves on having the experience, education and relationships

    to walk you comfortably through the entire proce

  • Wilson Mortgage Group
  • PO Box 150578, Lakewood, CO, 80215
  • Built on a foundation of trust and integrity, we are a one-stop-shop for all your mortgage needs. Whether you're new to mortgages or have experience, we are confident we can provide competitive loan options tailored to your meet your goals! We will achieve this by providing a wide variety of home loan products to you that are structured to fit

  • Residential Mortgage Network, Inc.
  • 2507 Highlander Place, Iowa City, IA, 52245
  • Residential Mortgage Network, Inc. is a mortgage bank providing USDA Rural Development, VA, Conventional, FHA and New Construction Loans to borrowers throughout the state of Iowa.Since 1987, our loan officers have been passionate about providing excellent home loan programs and outstanding customer service.

  • Comtrust Federal Credit Union
  • 1020 Riverfront Parkway, Chattanooga, TN, 37402
  • Comtrust FCU is a strong, well capitalized credit union whose member accounts are federally insured to $250, 000 by the National Credit Union Administration, one of the strongest insurance funds in the country. We take pride in assuring our members that their account information is secure, private and protected with up-to-date technology available.

  • RockPoint Bank, National Association
  • 401 Chestnut Street, Suite 101, Chattanooga, TN, 37402
  • When it comes to managing your money and growing your company, a banking relationship based on personalized service is becoming harder to find- that’s why we created RockPoint Bank. We're a locally-owned business bank headquartered in Chattanooga, Tenn., that embraces the spirit of our community.

  • Trust Federal Credit Union
  • 555 Walnut Street, Suite 100, Chattanooga, TN, 37402
  • Trust Federal Credit Union is a federally chartered credit union with primary operations in Chattanooga, Tennessee. We service employees of Unum Corporation, Cigna Corporation and many smaller businesses. In addition, anyone who lives, works, worships or attends school in downtown Chattanooga may join.

  • BrightBridge Capital
  • 506 Broad St, Chattanooga, TN, 37402
  • Since 1981, we have stimulated economic development by providing innovative solutions that meet startup and existing businesses capital needs. Our capital solutions enable businesses to bring jobs, commercial goods and services, and community assets to communities that need them.

  • Chattanooga First Federal Credit Union
  • 3120 Broad Street, Chattanooga, TN, 37408
  • Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.

  • Chattanooga Neighborhood Enterprise
  • 1500 Chestnut Street, Suite 102, Chattanooga, TN, 37408
  • Chattanooga Neighborhood Enterprise, Inc. was founded in 1986 to help improve the quality of life in Chattanooga by building strong, sustainable neighborhoods through the promotion and preservation of homeownership. CNE has helped over 4.000 Chattanooga residents purchase their first home.

  • Mortgage Assurance, LLC
  • 1391 Holmes Street, Suite 119, Chattanooga, TN, 37408
  • Morgage Assurance is ready to help you purchase your dream home today. We are a family owned business located in Chattanooga, Tennesee Mortgage Assurance has nurtured relationships with numerous lending companies across the U.S., which allows us to custom fit a lender for the loan program.

  • Edmonton State Bank
  • 909 West Main Street, Glasgow, KY, 42141
  • Edmonton State Bank is one of the few, locally owned and operated community banks. The Thompson Family has been serving the needs of our communities for five generations, and current Chairman and CEO John D. Thompson has enjoyed a nearly 60-year tenure working within those communities.