USDA Vs. FHA Pro and Con comparison in Hickory-Creek, Denton County, TX

In 2026, the USDA loan limit for Hickory-Creek in Denton county of TX is $329,300, whereas the FHA limit for single-family homes is $411,700.

Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates and to evaluate income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options in parallel, enabling you to select the most fitting program for your personal financial circumstances in .

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2026 Loan Limits and Downpayment Requirements in Hickory-Creek, Denton, TX

Loan Type Loan Limit Down Payment
USDA $329,300 0%
FHA $411,700 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Hickory-Creek, TX

With Lendersa®, you can easily obtain the best USDA or FHA loan quickly and effortlessly. Choose from three starting points to find lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, supported by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designated for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, a USDA mortgage involves zero down payment.

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



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