FHA Vs. USDA loan program for Lucas, Collin County, Texas

In 2026, the USDA loan cap in Lucas, Collin county, TX, is $360,600. Meanwhile, the FHA limit for a single-family home is $531,300.

Harness the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. Determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the most suitable program in for your financial needs.

Options for USDA and FHA Loans in Lucas, TX

Lendersa® aims to efficiently secure the finest USDA or FHA loan for you hassle-free. Begin with one of three starting paths to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is guaranteed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans demand no down payment at all.

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(866) 330-6414 Lender's profile and map Reviews California Lending Source 1024 Iron Point Rd, Suite 1017, Folsom, CA, 95630 California Lending Source is a residential and commercial loan brokerage that services all of California. Since 2009 we have been helping homeowners and consumers find the most suitable options available for them to achieve their financing goals. We have access to dozens of lenders to find the best loan products available that fit our clients.
(916) 364-1700 Lender's profile and map Reviews Heritage Community Credit Union 707 E Bidwell St, California, CA, 95630 Heritage Community Credit Union Credit Union (HCCU), not-for-profit financial cooperative, has provided friendly and trusted guidance to members in the greater Sacramento area since 1953. As a financial cooperative, HCCU can — with authentic credibility — deliver the brand promise that we want our members to, “Profit Wherever You Go.
(916) 214-0326 Lender's profile and map Reviews United Financial 718 Sutter Street, Suite 100, Folsom, CA, 95630 United Financial Services was founded by Todd Zancaner in 2006. Working for large banks and retail branches I realized that I could provide more to my clients with little over head and more experience then most of the big banks and I could give back to my clients so that is when I knew starting United Financial Services was the best option for me.
(916) 260-5888 Lender's profile and map Reviews The Mortgage Company 1839 Iron Point Road, Suite 100, Folsom, CA, 95630 At The Mortgage Company, while our process is automated and digital - our guidance is personal and unique to your financial situation. We bring a wealth of mortgage experience to every purchase and refinance loan, and our clients have all their questions answered up front and throughout the loan process.
(916) 358-9130 Lender's profile and map Reviews CARE Finance Group 187 Blue Ravine Rd, Suite 130, Folsom, CA, 95630 At CARE Finance Group, we take an education first approach with our clients. We focus on their individual needs and goals to recommend the best programs for their situation. We want our clients to feel like they know what’s happening, what they’re getting into, and feel comfortable throughout the process.
(916) 983-3616 Lender's profile and map Reviews Bentley Mortgage and Real Estate Services 305 Natoma Street, Folsom, CA, 95630 Bentley Mortgage & Real Estate Services is a unique company that is changing the way people buy, sell, and finance their homes in the greater Sacramento area. Most of our consultants are both expert mortgage consultants and associated REALTORS. From loan pre-qualification to loan approval, from house hunting to contract negotiations.
(916) 970-9881 Lender's profile and map Reviews Joe Alves, California Home Loans 101 Parkshore Dr, Suite 100, Folsom, CA, 95630 At California Home Loans we treat you like family not another number like large Banks! As a local independent broker, we have access to lower wholesale rates that big banks and retailers cannot match. We can get you to the closing table in 20 days or less. we offering to our clients Conventional, FHA, VA, USDA, Reverse and JUMBO products.
(916) 390-2169 Lender's profile and map Reviews Real Estate Source, Inc. 1024 Iron Point Road, Suite 1017, Folsom, CA, 95630 Real Estate Source, Inc Real Estate Source, Inc has been devoted to over 250 real estate agents in Northern California assisting them in making their business practice profitable. One of the secrets to Real Estate Source’s success has been with how transparent they are with their 100% commission package.
(888) 988-9665 Lender's profile and map Reviews Land Catchers Investments 101 Parkshore Drive, Suite 100, Folsom, CA, 95630 Land Catchers Investments offers invaluable and comprehensive services related to all aspects of real estate transactions, land use, development and financing. As their broker, Land Catchers carefully monitors both economic and financial decisions affecting its clients while simultaneously providing market data and investment advice so that clients
(916) 365-4770 Lender's profile and map Reviews The Blue Waters Group 850 Iron Point Road, Suite 122, Folsom, CA, 95630 We are unique in that we offer both mortgage AND real estate services to our clients. Providing the full spectrum of home buying, selling, and financing services from our small group of talented consultants is a bold feat; one that most other companies dare not attempt. We not only offer all of these services, but clients quickly discover
(916) 496-1919 Lender's profile and map Reviews Arnaz Financial Inc 17485 Monterey Rd, Suite 106, Folsom, CA, 95630 My name is John Arnaz. I'm a Mortgage Broker with Arnaz Financial Inc, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. John brings his experience in wholesale, private banking and residential home loan lending. John takes great pride in successfully restructuring loans