USDA VS FHA in Carrollton, Dallas County, TX

In 2026, the USDA loan limit in Carrollton, located within the county of Dallas, TX, is $336,500. On the other hand, the FHA limit for a single-family home is $531,300.

Use Lendersa®'s USDA loan calculator to compare today’s optimal USDA versus FHA rates, identifying the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Carrollton, County of Dallas, TX

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

Exploring USDA and FHA Loan Options in Carrollton, TX

Lendersa® is dedicated to swiftly securing you the most suitable USDA or FHA loan without hassle. Choose from one of three starting points that align with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in TX?

A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan, is available exclusively in rural neighborhoods. In contrast to FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment.

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



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    Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.

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