USDA Vs. FHA Pro and Con comparison in Garland, Dallas County, TX
In 2026, the USDA loan limit in Garland, part of Dallas County, TX, is $336,500. In contrast, the FHA limit for a single-family home is $531,300.
Make use of the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, determining income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, assisting you in selecting the optimal program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Garland, Dallas County, TX
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Garland, TX
The goal of Lendersa® is to secure the best USDA or FHA loan quickly and smoothly. Choose from three starting points that lead to compatible lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is limited to rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require none at all.
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