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

In the year 2025, the limit for a Conventional loan in Richardson, within the county of Dallas, TX, is set at $726,200. On the other hand, the FHA loan limit for a single-family home is $531,300. These figures provide essential guidance for prospective homebuyers and those seeking refinancing, informing them about financing boundaries.

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Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. This tool helps identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loan options, aiding you in selecting the best program for your financial needs in TX.

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2025 Loan Limits and Downpayment Requirements in Richardson, County of Dallas, TX

The following table shows the limits which play a crucial role in shaping informed financial decisions for purchasing or refinancing a property.

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

The comparison table is relevant for the specified zip codes: 75081, 75080, 75082, 75045, 75083, 75085

Options for Conventional and FHA Loans in Richardson, TX

The objective of Lendersa® is to efficiently connect you to the optimal Conventional, USDA, or FHA loan without unnecessary hassles. Begin by selecting from three possible starting points that direct you to matching lenders and custom loan programs tailored to your needs.

  1. Submit a detailed request aimed at optimizing loans under Conventional, USDA, and FHA specifications
  2. Examine rates and terms for Conventional, USDA, and FHA loans as a preliminary step
  3. Access the most extensive database of Conventional lenders available
Results overview from Lendersa USDA loan requests and matches



  • Alvorada Mortgage LLC
  • 1701 Hickory Lake Dr, Snellville, GA, 30078
  • Alvorada Mortgage is a full-service mortgage broker. What does that mean? It means that when you apply for a mortgage with Alvorada Mortgage, we are affiliated with multiple wholesale lending institutions.We can shop your mortgage with a variety of wholesale mortgage companies to find the mortgage suited exactly to your needs & at the lowest rate.

  • HAMMER MORTGAGE, INC.
  • 2326 Wisteria Drive, Suite 110, Snellville, GA, 30078
  • Hammer Mortgage is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,

  • Embassy National Bank
  • 1817 North Brown Rd, Lawrenceville, GA, 30043
  • Embassy National Bank provides expert business and personal banking services to the local community. With a focus on small business lending and banking, Embassy National Bank works to help growing businesses find the capital they need to continue to expand and thrive. With decades of combined experience, the team at Embassy National Bank supplies b

  • Peach State Federal Credit Union
  • 1505 Lakes Parkway, Suite 100, Lawrenceville, GA, 30043
  • Peach State Federal Credit Union serves more than 60, 000 members in Georgia and South Carolina. In 2012, the Board of Directors voted to change the credit union's name to Peach State Credit Union to better reflect our membership base. Peach State offers membership to the employees of our sponsor Boards of Education and many select employee groups.

  • Guaranteed Home Loans LLC
  • 1130 River Overlook Court, Lawrenceville, GA, 30043
  • GHL Financing Experience was birthed from years of collaboration with Consumers, Top Real Estate Professionals, & Service Focused Mortgage Lending Consultants to Deliver Best in Class Loan Products, Service, & Wealth Building Tools. GHL lifetime clients & partners receive FREE quarterly in-person and online LIVE training to help build wealth.

  • Real Estate Financial Services
  • 1400 Buford Hwy, Suite J3, Buford, GA, 30518
  • At Real Estate Financial Services. We are a full-service mortgage company based in Sugar Hill, Georgia. We specialize in FHA and VA Mortgages for First Time Home Buyers in Sugar Hill. We also serve the surrounding cities in Gwinnett County. Whether you are buying a home or refinancing in any of these zip codes: 30518, 30005, 30024

  • Buford Finance Co., Inc.
  • 1819-A Buford Highway, Buford, GA, 30518
  • Buford Finance has grown to be a major consumer lender in Georgia since 1986. We make consumer loans from $300 to $5, 000. Since 1986, our mission is to serve the financial needs of our community. It is our effort to provide financing options for individuals and small business owners.

  • Farmers Savings Bank
  • 205 Main Street, Colesburg, IA, 52035
  • The Farmers Savings Bank story began on January 26, 1907 in Colesburg, Iowa. Fifty seven years later, the Juergens Family acquired the bank in November of 1964, & since then we have expanded to Elkport, Strawberry Point & Arlington. Although our foot print has changed, our commitment to serving the communities we are a part of has never wavere

  • Citizens Bank
  • 33 N Indiana St, Mooresville, IN, 46158
  • Citizens Bank is known for being a relationship bank that delivers extraordinary customer service to our customers when, where and how they want it; that may be at their place of business, in the Bank or through our online banking capabilities. Citizens Bank is a state-chartered bank founded in Morgan County in 1931.

  • Five Star Mortgage Solutions
  • 19 East Main Street, Mooresville, IN, 46158
  • "Five Star Mortgage Solutions is a local, family-owned mortgage company that works to get you a high-quality mortgage and works with you to get the lowest rate available to you. Five Star Mortgage Solutions is an established small town community business and has been a hometown fixture on Main Street in Mooresville since 2007."

  • B & I Federal Credit Union
  • 740 North Marr Road, Columbus, IN, 47201
  • B & I Federal Credit Union offers a variety of services, including loans, share draft accounts, savings accounts, IRA accounts, and other services designed to provide convenient, fast access to your accounts. To make banking transactions more accessible, even when you are traveling out of state or out of the country

  • The First National Bank in Sioux Falls
  • 100 S Phillips Ave, Sioux Falls, SD, 57104
  • At The First National Bank in Sioux Falls, we do things differently. With an infectious culture, a 135-year commitment to our communities, and a foundation built on our FIRST Values, we pride ourselves on being more than just a bank. Whether you’re looking to purchase your first home, starting a new business venture, or ready to invest,
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