USDA Vs. FHA your options comparison in Ennis, Ellis County, TX
For 2025, the USDA loan limit within Ennis, located in Ellis county, TX, is established at $360,600. In contrast, the FHA loan limit for a single-family home is $531,300.
Utilize the Lendersa® USDA loan calculator to compare the best available USDA versus FHA rates today, determining the necessary income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program for your financial circumstances in .
2025 Loan Limits and Down Payment Requirements in Ennis, County of Ellis, TX
Loan Type
Loan Limit
Down Payment
USDA
$360,600
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Alternatives in Ennis, TX
Lendersa® aims to seamlessly connect you with the best USDA or FHA loans available, quickly and effortlessly. Choose one of three starting points that lead to matching lenders and USDA loan programs suited to your needs.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is exclusively available for properties in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA loan offers the advantage of needing no down payment at all, providing a significant opportunity for eligible rural homebuyers.
In 1903 a group of far-sighted businessmen, led by J. Fall Roberson, Sr., joined forces to form a bank to serve the future businesses and citizens of Pell City and St. Clair County. One hundred and sixteen years and four generations of independent banking experience later, UnionState continues to grow and serve a broad community with twelve banking
North Alabama Bank has been a locally owned & operated financial institution serving Madison County and the surrounding areas since 1989. We live, work, & worship in our community. We understand the importance of community. We understand that businesses in todays environment requires advanced technology to get ahead in these ever-changing times.
The credit union was founded in 1946 by employees of the Veterans Administration in Montgomery, AL. It is our mission to offer quality service with a personal touch, ensure profitability & preserves the tradition of being a safe & secure member-owned cooperative.Membership in the credit union requires ownership of one or more shares of $25.00 each.
ASE Credit Union was established in 1954 as the Alabama State Employees' Credit Union. Years later, ASE was granted a Community Charter and we have been able to open our doors to everyone! If you live, work, worship or attend school in the 8 counties surrounding Montgomery, AL then you can join, too!Credit Union was established in 1954
CerescoBank was established in 1911 as the Farmers and Merchants Bank of Ceresco and was situated on the corner of South 2nd Street and Elm. The bank has served the Ceresco Community since that time. The present bank building at 130 West Elm Street was completed in 1983, allowing the bank to have a drive-thru banking lane.
First Commerce Bank was the dream of a group of local people who saw the need for a locally owned, locally managed community bank. With the help of over 1,000 shareholders, that dream became a reality on December 2, 2002. Our goal is to provide our community with competitive banking products that meet our customers' needs.
Glenwood State Bank is a family owned bank that has been proudly serving Southwest Iowa since 1899. Our guiding principle is to develop strong relationships with our customers that last for generations while being an integral piece of our communities to help them prosper and grow.
In 1979, a group of local businessmen founded First Citizens Bank with one purpose in mind: to provide a healthy banking environment for local businesses and individuals. The doors first opened on July 8, 1980, operating under a local management and conservative governing philosophy.
We are the Credit Union for BNSF Employees and their Families. We understand your life is constantly on the tracks, so we make it easy on you to open an account, apply for a loan, and get access your funds. We have been serving BNSF Employees since 1955. We are a closed member Credit Union, that means not just anyone can join.
United Southern Bank offers a range of banking services to meet today’s financial needs, from Personal Checking and Savings Accounts to Individual Retirement Accounts (IRAs) to Mortgage Loans with competitive rates. We also offer an array of business services including Commercial Checking, Business Savings Accounts
We pride ourselves on making Alabama mortgages easy. Whether you're a first-time homebuyer or looking to save on your current mortgage, we can help. There’s a reason why we have a 99.9% customer retention rate. When you get your mortgage with us, we get you the lowest rates and we let you know when you can refinance and save.
