USDA and FHA Pro and Con 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.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
In January of 1949 a small group of Blue Cross and Blue Shield of Texas employees came together to organize a credit union. This group of employees had a vision of providing a safe place to save money and obtain loans at fair rates. In November 2016 we changed our name to Lifetime Federal Credit Union.
We can provide liquidity for your notes through Loan Trader - our custom website that will price your notes in real-time automatically. Ready Mortgage is located in Richardson, Texas, and is part of the Activities Related to Credit Intermediation Industry and was founded in 6/14/95.
In 1953, 11 Texas Instruments employees pooled five dollars each and petitioned the Texas Banking Commission to establish an organization that would promote thrift and provide low-cost loans to TI employees. Soon after, a charter was granted by the State of Texas and Texins Credit Union was born.
1701 N Collins Boulevard, Suite 125, Richardson, TX, 75080
Lends in Texas
CSC Capital Corp. is a direct, private, construction warehouse lender to qualified mortgage bankers for manufactured, modular, and site-built land/home purchases. We are located in Richardson, Texas, and have served clients for more than 15 years and Our loan is to you, the lender, so you can control both your interim and end loan.
811 South Central Expressway, Suite 229, Richardson, TX, 75080
Lends in Texas
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
2701 Custer Parkway, Suite 706, Richardson, TX, 75080
Lends in Texas
Our team has over 15 years’ professional experience in mortgage and real estate, with extensive product knowledge and client-centered customer service. Our goal is to provide competitive rates, minimum costs, prompt support, and stress-free closing for our clients, making your home loan journey a pleasurable experience!
1401 North Central Expressway, Suite 100, Richardson, TX, 75080
Lends in Texas
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
16970 Dallas Parkway, Suite 401, Dallas, TX, 75080
Lends in Texas
Verity Mortgage is a member of the Eustis Mortgage Corporation family of companies is setting a high bar for our competition. Over 60 years ago, Eustis Mortgage Corporation opened its doors with a focus on two things that all great organizations have in common. Low staff turnover and a high percentage of repeat customers.
