USDA Vs. FHA Pro and Con comparison in Ennis, Ellis County, TX
For 2026, 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 .
2026 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.
ESB Mortgage, a department of Ennis State Bank, makes it easy and convenient for you to shop for the loan options that are right for you at the most competitive rates. We provide our customers with direct access to an experienced, “live” loan officer. Our staff is here to guide you through the often difficult and challenging process.
Ellis County Teachers & Employees Federal Credit Union
61 Northgate Drive, Waxahachie, TX, 75165
Lends in Texas
Ellis County Teachers & Employees Federal Credit Union, you’re a member, not a number. Our goal is to put our members first in all we do.We provide products and services that help the financial stability and economic growth for both our members and our community. As part of your community, we plan for the future to help individuals achieve.
130 Chieftain Drive, Suite 103, Waxahachie, TX, 75165
Lends in Texas
We have been originating mortgage loans for over 24 years here in the Dallas and Ellis County area. We pride ourselves on providing our customers with the perfect loan for their situation, good rates and personal service. We work diligently to make your lending experience a good one.
We believe in mPowering our customers, the importance of giving back to the communities we serve, & we are proud to stand behind our promises.
In business since 1868, we are the third oldest independent bank in Texas. With current assets over $600 million, we are 10 branches located in 7 cities: Waxahachie, Midlothian, Red Oak, Italy, Cedar Hi
First National Bank of Kemp first opened its doors in August, 1901, after a group of local farmers, ranchers and businessmen decided to provide much-needed financial services to the community. Through wars, depression, recessions, and plenty of good times, First National Bank of Kemp has been right here, serving and growing with the community.
City National Bank is a privately owned institution that has embodied the spirit of community banking since the inception of bank in 1983.A group of local business leaders recognized the need for community bank that could better serve the area.The initial stock offering was opened up to the community with a several individuals able to participate.
HomeBank Texas is a full service financial institution with offices located in Dallas, Rockwall & Seagoville. Formerly known as Seagoville State Bank, we were founded in 1952 by W.A. Waldrop. The Bank was located in the Downtown Seagoville area where a tradition of serving our community & customers with courtesy & genuine concern was established.
Seagoville Federal Credit Union was founded February 14, 1949. We offer Savings, Checking, and Christmas Club accounts as well as a variety of loans including Vehicles, ATVs, Boats, RVs, Personal, Share Secured & more. We cater to government employees and their families in the Seagoville area.
Trinity Oaks Mortgage, LLC supports Equal Housing Opportunity. When dealing with home financing, we are not only working with one of our client's largest personal financial investments; we also are handling one of their biggest dreams. Since we work with matters so close to the heart, we serve our clients from ours.
