As of 2026, the USDA loan maximum for Celina, within Collin county, TX, is $360,600. By contrast, the FHA maximum for a single-family home is $531,300.
Utilize Lendersa® USDA loan calculator to contrast the current top USDA against FHA rates, while determining qualifications needed for income, credit, reserves, and documentation. Our advanced mortgage tool allows you to compare USDA, FHA, Conforming, and VA plans side by side, aiding in selecting the most appropriate program for your specific financial condition in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $360,600 | 0% | |
| FHA | $531,300 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly facilitate access to the best USDA or FHA loans without complications. Opt for one of three potential starting points that will align you with lenders and USDA loan schemes.
A USDA home loan, backed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is offered solely in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage does not require any down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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