USDA and FHA Pro and Con in Addison, Dallas County, TX

For 2026, the USDA loan limit in Addison, located in Dallas, TX, is $336,500, whereas the FHA limit for a single-family house is $531,300.

Use the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, and find out what income, credit, reserves, and documents are necessary for eligibility. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side-by-side to help you determine which program in best fits your financial needs.

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Loan Limits and Down Payment Requirements for 2026 in Addison, Dallas, TX

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

Discover USDA and FHA Loan Options in Addison, TX

The aim of Lendersa® is to provide you with the best USDA or FHA loans efficiently and without hassle. Choose one of three initial approaches resulting in matched lenders and tailored USDA loan programs.

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Understanding the USDA Loan in TX

The USDA home loan, secured by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan requires no down payment whatsoever.

Enter your location to find out if it qualifies for USDA rural housing loan?



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