USDA and FHA Pro and Con in Irving, Dallas County, TX
In 2026, the USDA loan limit for Irving, in Dallas County, TX, is $336,500, whereas the FHA limit for a single-family home is $531,300.
Utilize Lendersa® USDA loan calculator to evaluate the most advantageous USDA and FHA rates today, and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows options for USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best program for your financial condition in .
2026 Loan Limits and Downpayment Requirements in Irving, 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 Irving, TX
The goal of Lendersa® is to find you the best USDA or FHA loan quickly, without hassle. Choose one of three starting avenues that result in matching lenders and suitable USDA loan programs.
A USDA home loan, supported by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is restricted to rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require none.
The Credit Union was chartered in 1955 by a group of Zale employees and family members. The new credit union was known as Zale Employees Federal Credit Union (ZEFCU).
During the ’80s, several smaller credit unions merged with ZEFCU (Optical FCU, Sherwin Williams FCU, Golden Acres FCU, Joske’s Employee’s FCU, and Mary Kay Cosmetics FCU)."
In 1965, in the lunchroom of the IBM facility located in Dallas at 2911 Cedar Springs, 14 employees met and collectively deposited $150 to start IBM Southwest Employees Federal Credit Union and serve the financial needs of its employees.
Over time more locations were added and additional products
8650 Freeport Parkway South, Suite 250, Irving, TX, 75063
Lends in Texas
KBHS offers competitive rates and exceptional service on Conventional, Government (FHA, VA & USDA) and Jumbo Fixed & Adjustable Rate Mortgages with a variety of terms designed to meet the diverse needs of new construction homebuyers. Bond loans and other mortgage products suited for homebuyers are also availab
We are Mr. Cooper, the nation’s largest non-bank mortgage servicer and a leading mortgage lender. And we’re here to keep the dream of homeownership alive. Our HQ is located in Dallas, TX, with major outposts in Irvine, CA; Chandler, AZ; Longview, TX; Highlands Ranch, CO; and Chennai, India. We have a total of ninety offices all over the USA
We are Mortgage Broker, an independent agent for both the mortgage loan applicant and the lender. We stand as facilitate between you and the lending institution. We can look at your financial situation to determine which lender is the right fit for your loan needs. In other words we help you shopping by comparing different rates from lenders.
AmeriFund Funding Corporation. Main Office in Coppell, Texas. For more than 23 years Texas based AmeriFund has been providing the guaranteed lowest interest rates and the easiest and quickest application process in the industry. Cutting edge technology the highest locked loan delivery rates in the industry enable us.
549 E. Sandy Lake Rd, Suite 200, Coppell, TX, 75019
Lends in Texas
Watkins Mortgage we strive to differentiate ourselves from other mortgage companies by putting the needs of the borrowers first. To use our experience and vast knowledge to advise our clients while listening to their needs. To remind ourselves that owning a home is liberating and encouraging to everyone.
NXT Mortgage Company is a different breed of mortgage company. We are people-focused, rather than profit driven. We donate 10% of our profits to organizations selected by our clients, we offer our team members more profit-sharing opportunities, and our clients save money via the best mortgage options.
Founded in 2009, by mortgage banking professionals, Recovco is an industry leader in both quality and operational excellence and has proven results of serving clients with due diligence, valuations, quality control, underwriting, and auditing services for banks, mortgage companies, and other market participants.
