USDA VS FHA in Lancaster, Dallas County, TX

For 2025, the USDA loan limit in Lancaster, county of Dallas, TX, is set at $336,500. In contrast, the FHA limit for a single-family residence is $531,300.

Utilize the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates to determine the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program in to suit your financial needs.

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2025 Loan Limits and Downpayment Requirements in Lancaster, County of Dallas, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $531,300 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Lancaster, TX

The purpose of Lendersa® is to provide you with the best possible USDA or FHA loan promptly and effortlessly. Start by selecting one of three pathways to connect with lenders and explore USDA loan offerings.

Lendersa USDA loan request and matching results

What Is a USDA Loan in TX?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusive to rural areas. Unlike FHA loans which require a minimum 3.5% down payment, a USDA mortgage demands no down payment at all.

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



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  • SGMS is a Mortgage and Land Contract Services Company that is focused on your success. Our mortgage services team has over 25 years of experience in origination of all sizes of loans and refinance loans. Lead by James Woodworth, SGMS Mortgage provides one-on-one service with a personal touch.
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  • 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
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  • Harwood State Bank was one of the banks to survive that era with a strong capital ratio. The bank sold $7,000 more in stock in 1951 to raise the capital stock to $25,000. There have been two stock splits since that time. The first in 1959 and the second in 1980, and our capital stock is now $100,000.
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  • Huron Valley State Bank officially opened for business in August 2005 as Huron Valley’s first community bank. We are proud to be owned by local investors, governed by local directors and managed by people who live in and support this community. Our mission is to be the financial services provider of choice within our community.
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  • Our mission is to serve 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. Most importantly, we promise to help you.
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