In the year 2026, 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.
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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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
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.
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