USDA and FHA Pro and Con in Lewisville, Denton County, TX

For the year 2025, the USDA loan limit in Lewisville, found within the county of Denton, TX, is set at $360,600. In contrast, the FHA loan limit for a single-family home in this area is $531,300.

Harness the power of the Lendersa® USDA loan calculator to evaluate and compare today's competitive USDA versus FHA loan rates. This tool is designed to help you determine critical elements such as income thresholds, credit qualifications, reserve requirements, and necessary documentation for eligibility. Our advanced mortgage calculator provides a comprehensive view, showcasing USDA, FHA, Conforming, and VA programs side by side. This comparison will guide you in selecting the best financial option tailored to your specific situation in Alabama.

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2025 Loan Limits and Down Payment Requirements in Lewisville, County of Denton, TX

Loan Category Maximum Loan Amount Minimum Down Payment
USDA $360,600 0%
FHA $531,300 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Opportunities in Lewisville, TX

At Lendersa®, our mission is to swiftly pair you with the ideal USDA or FHA loan, effectively minimizing any complexities. We offer three different initial routes to choose from, each designed to connect you with matching lenders and appropriate USDA loan programs.

Lendersa USDA loan request and lender matching outcomes

Understanding the USDA Loan in TX

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed loan through the Department of Agriculture. It is exclusively available in rural neighborhood areas. Unlike FHA loans, which require at least a 3.5% down payment, a significant feature of the USDA home loan program is that no down payment is mandatory, offering enhanced affordability to borrowers.

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



  • The Peoples National Bank of Checotah
  • 300 W Gentry, Checotah, OK, 74426
  • Peoples National Bank is headquartered in Checotah OK at the intersection of Interstate 40 and US Highway 69 on Lake Eufaula. PNB takes pride in having served our community since 1911.The main office of PNB is located at 300 West Gentry with our drive-in facility at 310 North Broadway in Checotah.
  • Angelina Savings Bank, SSB
  • 1721 Tulane Drive, Lufkin, TX, 75901
  • Angelina Savings Bank, Ssb is a branch office of Angelina Savings Bank, Ssb. They provide the following services: Full Service Office Location and are located at 1721 Tulane Drive in Lufkin Texas. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
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  • 402 South Medford Drive, Lufkin, TX, 75901
  • The credit union was started in 1954 by a small group of teachers from Lufkin ISD. Mr. Pop Ward and Miss Zelma Cook were instrumental in the beginning. The credit union is a state chartered credit union and answers to the Texas Credit Union Department. Savings are insured by the National Credit Union Association up to $250, 000.00.
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  • 1802 Normal Park Drive, Huntsville, TX, 77340
  • WCFCU’s mission is to enrich its members' quality of life by providing high quality, fairly-priced financial services and to remain driven by member needs We are eager to serve you and your family members. When you join the Credit Union, you enjoy the many advantages of doing business with a people oriented
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  • TransUnion is a global information and insights company that makes trust possible between businesses and consumers, by ensuring that each consumer is reliably and safely represented in the marketplace We do this by having an accurate and comprehensive picture of each person. This picture is grounded in our foundation as a credit reporting agency.