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.

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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

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


Garland Lenders

  • Loan Java LLC
  • 3130 North Shiloh Road, Garland, TX, 75044
  • Lends in Texas
  • 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.

  • Ready Mortgage Corp
  • 301 S. Sherman, Suite 117, Richardson, TX, 75081
  • Lends in Texas
  • We can provide liquidity for your notes through Loan Trader - our custom website that will price your notes in real-time automatically. Ready Mortgage is located in Richardson, Texas, and is part of the Activities Related to Credit Intermediation Industry and was founded in 6/14/95.

  • CSC Capital Corp.
  • 1701 N Collins Boulevard, Suite 125, Richardson, TX, 75080
  • Lends in Texas
  • CSC Capital Corp. is a direct, private, construction warehouse lender to qualified mortgage bankers for manufactured, modular, and site-built land/home purchases. We are located in Richardson, Texas, and have served clients for more than 15 years and Our loan is to you, the lender, so you can control both your interim and end loan.

  • Magnificent Mortgage Group
  • 811 South Central Expressway, Suite 229, Richardson, TX, 75080
  • Lends in Texas
  • 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.

  • Lending Star Capital, LLC
  • 2701 Custer Parkway, Suite 706, Richardson, TX, 75080
  • Lends in Texas
  • Our team has over 15 years’ professional experience in mortgage and real estate, with extensive product knowledge and client-centered customer service. Our goal is to provide competitive rates, minimum costs, prompt support, and stress-free closing for our clients, making your home loan journey a pleasurable experience!

  • Mercantile Morgage Corporation
  • 1401 North Central Expressway, Suite 100, Richardson, TX, 75080
  • Lends in Texas
  • 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.

  • VERITY MORTGAGE
  • 16970 Dallas Parkway, Suite 401, Dallas, TX, 75080
  • Lends in Texas
  • Verity Mortgage is a member of the Eustis Mortgage Corporation family of companies is setting a high bar for our competition. Over 60 years ago, Eustis Mortgage Corporation opened its doors with a focus on two things that all great organizations have in common. Low staff turnover and a high percentage of repeat customers.

  • Integrity Mortgage
  • 8678 Skillman, Dallas, TX, 75243
  • Lends in Texas
  • Integrity Mortgage Corporation of Texas was founded in 1993 by Roger and Pam Bazzell. Roger has more than 30 years of experience in all aspects of the mortgage industry, while Pam has served as an originating sales officer for nearly 20 years. Since its founding, Integrity Mortgage.

  • Commercial Mortgage Broker
  • Dallas, Texas, Dallas, TX, 75238
  • Lends in Texas
  • At Commercial Mortgage Broker, led by John Stewart, we specialize in connecting businesses with the perfect financing solutions to drive growth and success. With a commitment to personalized service, we tailor our offerings to meet your unique needs. Trust us to unlock opportunities and navigate the complex landscape of commercial lending, ensuring