USDA Vs. FHA your options comparison in Garland, Dallas County, TX

In 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

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.

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



  • Classic Home Mortgage
  • 330 Harrison Bridge Road, Suite C, Simpsonville, SC, 29680
  • Classic Home Mortgage is located in Simpsonville, South Carolina in the Upstate, Bluffton & Summerville, South Carolina in the Lowcountry and the Sunshine State of Florida. Whether you need an FHA, VA, USDA or Conventional loan, it's our mission to provide you with excellent service, competitive rates.
  • Northern Mortgage
  • 105552 Success Ln, Suite H, Dayton, OH, 45458
  • Northern Mortgage Services (Dayton Group) is a local mortgage company that supports our community. We strive to provide the best client experience through knowledge, customer service, and product. Northern Mortgage Services: Bill Hudson has been in this business locally for 20 years.
  • Commerce Bank of Arizona
  • 3805 East Broadway Boulevard, Tucson, AZ, 85716
  • Commerce Bank of Arizona, established in 2002 in Tucson, Arizona, is a full-service community bank that caters to small-to mid-sized businesses and real estate professionals. CBAZ offers commercial clients with a variety of services ranging from U.S. Small Business Administration (SBA) financing solutions, construction loans.
  • Tucson Federal Credit Union
  • 1160 N. Winstel Blvd, Tucson, AZ, 85716
  • In 1937 a group of teachers with a vision came together to form a financial cooperative that could better serve the financial needs of Tucson's school employees and their families. A year later, Tucson Teachers Federal Credit Union (TTFCU) was serving 38 members and had acquired assets of nearly $349.
  • PrinsBank
  • 508 Third Street, Prinsburg, MN, 56281
  • PrinsBank was established in 1916 to serve the needs of our local communities. We offer a variety of banking products and services. We are proud of our ability to provide full-service banking with prompt, local decision making from people who know you. PrinsBank strives to make our customer's banking experiences easy and pleasant.
  • Westar Mortgage & Realty
  • 1775 W Wimbledon Way, Tucson, AZ, 85737
  • WESTAR® has arranged funding of thousands of residential and commercial loans, plus subdivisions throughout Arizona in Tucson, Green Valley, Nogales, Sierra Vista, Douglas, Benson, Yuma, the Phoenix area, Flagstaff, Bullhead City, Show Low, Casa Grande, Arizona City, and Apache Junction.
  • Timberwood Bank
  • 110 West Veterans Street, Tomah, WI, 54660
  • Bank First is headquartered in Manitowoc, Wisconsin. Through a combination of acquisitions and de novo offices, our Bank has expanded to serve the financial needs of those throughout Wisconsin. Our growth has been achieved through our relationship-based model of banking. We take pride in knowing our customers on a personal level and working togethe
  • Affordable Mortgage Financing LLC
  • 902 Superior Avenue, Tomah, WI, 54660
  • Affordable Mortgage Financing LLC is located in Tomah, Wisconsin, and was founded in 2003. This business is working in the following industry: Mortgage companies. Annual sales are around USD 203, 040.00 and also Home loans to purchase or refinance. Amazing RATES. VA FHA USDA RURAL DEVELOPMENT.
  • MTC Federal Credit Union
  • 2A The Parkway, Greenville, SC, 29615
  • MTC Federal Credit Union was founded in 1976 to serve the employees of Michelin, North America. Our roots grew from serving those who value hard work and not afraid to get their hands dirty. Over the years, we have expanded with an inclusive membership we call the MTC Federal Community.
  • Upstate Mortgage
  • 8 McKenna Commons Court, Greenville, SC, 29615
  • Upstate Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. We make the process of securing a home mortgage simple and straightforward by offering you the latest in financial tools