In 2026, the USDA loan limit in Denison, within Grayson county, TX, is set at $336,500. In contrast, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the best rates available today for USDA versus FHA loans. Determine the income, credit rating, reserves, and necessary documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, assisting in determining the best choice in tailored to your financial circumstances.
Loan Limits and Down Payment Requirements for 2026 in Denison, Grayson, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Denison, TX
Lendersa® strives to secure the ideal USDA or FHA loan swiftly, without complications. Begin with one of three pathways to be matched with lenders and the right USDA loan programs for you.
The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Different from FHA loans, which require a minimum 3.5% down payment, the USDA mortgage demands no down payment.
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Texoma Educators Federal Credit Union is a full-service financial institution serving Grayson County, Texas, and Bryan, Marshall and Atoka counties in Oklahoma. We offer membership to the entire Texoma community, wherever you work! As a non-profit, we are focused on competitive rates and convenient services.
Cendera Bank is located in Benbrook, Texas. At this location, Cendera Bank employs approximately 3 people. Cendera Bank. They provide the following services: Full Service Office Location and are located at 615 E. Bells Blvd in Bells Texas. Cendera Bank, N.A. is currently looking to add highly motivated, high integrity team members
Established in 1906 we have served the needs of our community for over 100 years. You are not simply customers to us; you are our friends and our family. We have strived to excel at bringing you the financial products and technological advancements to meet your needs while retaining our hometown feel.
Fannin Bank was organized in November 1921 as the Guaranty State Bank in Windom, Texas. By June 1922 the bank had $158,046 in assets. The name was changed to Fannin Bank in 1976, and in 1987 a branch office was opened in the town of Bonham. The Honey Grove branch opened in 2008 with the headquarters moving to Bonham the same year.
Fannin Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
Fannin County Teachers FCU (FCTFCU) has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, FCTFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.
4U Credit Union formerly NASCOGA NA (National) S (Supply) CO (Company of) GA (Gainesville) was chartered on May 15, 1956. There were ten charter members who each paid five dollars for a share in the organization. In the beginning, the office of the credit union was in a small corner of the plant itself.
