USDA Loan Vs. FHA loan for Argyle, TX [Denton County ]

As of 2025, the USDA loan limit for Argyle in the county of Denton, TX is set at $360,600. Meanwhile, the FHA limit for a single-family home is fixed at $531,300. Understanding these limits is crucial for prospective homeowners as they shape the financing landscape and affect the affordability options for purchasing a home in these areas.

To compare today’s top USDA and FHA loan rates, use the Lendersa® USDA loan calculator. This resource helps in determining the necessary income, credit scores, reserves, and required documentation for eligibility. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which program in is the most suitable for your specific financial situation. Conducting such a comparative analysis aids in making informed decisions that align with your financial goals and needs.

Explore a wide array of loan offers from 100 diverse lenders as an initial step towards securing the best mortgage.

2025 Loan Limits and Downpayment Requirements in Argyle, Denton County, TX

Loan Type	Loan Limit	Down Payment Requirement
USDA	$360,600	0%
FHA	$531,300	3.5%
Conventional Conforming	$726,200	3%

These limits, reflecting broader economic and policy decisions, are designed to empower buyers to make informed decisions about their home financing options, ensuring alignment with their monetary capacity and planning strategies.

Diverse USDA and FHA Loan Options in Argyle, TX

The core mission of Lendersa® is to help you quickly and seamlessly secure the best USDA or FHA loan that fits your needs. Start by choosing one of three initial pathways tailored to align you with lenders and USDA loan programs that match your criteria. These pathways are structured to simplify the often intricate mortgage process, providing guidance and support throughout your home-buying journey.

Illustration of Lendersa USDA loan request and successful matching results

Understanding USDA Loans in TX

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is supported by the U.S. Department of Agriculture. Exclusively available for purchases in rural areas, this loan does not require a down payment, unlike FHA loans that necessitate a minimum of 3.5%. This feature makes it particularly appealing for those interested in rural living by significantly lowering the initial cost of homeownership.

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(806) 385-7511 Lender's profile and map Reviews First Federal Bank Littlefield, Texas 2313 Phelps Ave., Littlefield, TX, 79339 First Federal Bank was founded in 1946 with $10,000 in capital as a mutual savings association known as Littlefield Federal Savings and Loan. In 1998, the association converted to a state mutual bank and became First Federal Bank Littlefield, Texas. The vision of First Federal Bank is to customize financial support for every customer.
(501) 228-1504 Lender's profile and map Reviews Arkansas Farm Bureau Federation credit union 10720 Kanis Road, Little Rock, AR, 72207 Arkansas Farm Bureau Federation (ArFB) is a nonprofit, grassroots organization dedicated to agricultural advocacy. ArFB represents the interests of farmers and rural communities throughout the state of Arkansas through policy development, lobbying and other programs. The mission of Arkansas Farm Bureau Advocate the interests of agriculture i
(855) 700-7270 Lender's profile and map Reviews Land Line Lending 1501 N. Pierce Street, Suite 104, Little Rock, AR, 72207 "Our Land Line Lending team has over 75 years of land industry experience. That experience, along with our industry knowledge & know-how, provides our customers with solutions that are as unique as their needs. Our team is proud to uphold the values of dependability & stability while working toward innovations that are improving financing opti
(806) 637-2751 Lender's profile and map Reviews Brownfield Federal Credit Union 201 West Hill Street, Brownfield, TX, 79316 Brownfield Federal Credit Union is a member-owned and controlled financial services organization. Our mission is to meet members’ financial needs through quality service at the best value while maintaining financial stability. Building lifelong relationships one member at a time. Brownfield Federal Credit Union Chartered in 1960.
(979) 265-2511 Lender's profile and map Reviews First State Bank 200 Brazosport Boulevard North, Clute, TX, 77531 First State Bank was established in 1958 and is dedicated to serving Brazoria County by keeping a step ahead of the current standard in banking. First State Bank offers personalized customer service and the highest quality of products. At First State Bank, we're here for you, not just as your convenient community bank,
(979) 265-1911 Lender's profile and map Reviews Brazos National Bank Of America 2300 Brazosport Blvd N, Richwood, TX, 77531 At Brazos National Bank, we take the role of community banking seriously. We strive to deliver the financial products and services that the community needs with a personal touch. Whether you prefer the convenience of online or ATM banking or the personal service of a friendly, knowledgeable banking professional.
(432) 688-7300 Lender's profile and map Reviews MTCU 1505 N Midland Drive, Midland, TX, 79703 At MTCU, our mission statement guides every action we take and decision we make. We believe in the power of defining our purpose. We've always been dedicated to our members, whether they live in Midland, Texas, or other communities, and our mission statement serves as a daily reminder that they are our priority.
(318) 323-2422 Lender's profile and map Reviews Origin Bank 1500 Sterlington Road, Monroe, LA, 71203 Origin Bank, formerly Community Trust Bank, is a Louisiana-chartered bank serving Louisiana, Texas and Mississippi. For over 100 years, we have provided a wide range of traditional banking services and are combining our industry expertise with modern applications to make banking easy both online and offline.