USDA VS FHA 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 .

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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.

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Understanding USDA Loans in TX

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.

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



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