USDA Loan Vs. FHA loan for Lucas, TX 2025

In 2025, USDA loan limit in Lucas, county of Collin, TX is $360,600 while FHA limit is $531,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Lucas, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(865) 688-2424 Lender's profile and map Reviews TN Connect Credit Union 6211 Middlebrook Pike, Knoxville, TN, 37909 Founded by a group of postal employees in 1924, tnConnect Credit Union remains a non-profit, community-focused financial institution. Our commitment is to help our members succeed and grow financially. We provide a full range of financial products, from everyday savings, checking, and loans to retirement and pet savings accounts.
(865) 558-3117 Lender's profile and map Reviews Holston Methodist Federal Credit Union 1235 E Weisgarber Road, Knoxville, TN, 37909 Holston Methodist FCU was founded by Seven (7) United Methodist Clergy to assist fellow clergy and their family members with various financial needs. Holston Methodist FCU has been dedicated to serving pastors, churches, staff, church organizations, select employee groups and members within Holston Conference since 1956.
(865) 584-1584 Lender's profile and map Reviews Real Estate Finance Group 4707 Papermill Dr, Suite 102, Knoxville, TN, 37909 Real Estate Finance Group are a local, knowledgeable, and professional mortgage company that cares about its clients. Real Estate Finance Group employs credit trained mortgage consultants with immediate decision making authority REFG is fueled by a genuine belief in the ‘customer for life’ principal.
(865) 909-0211 Lender's profile and map Reviews Keystone Mortgage 1508 Coleman Road, Knoxville, TN, 37909 Keystone Mortgage was founded out of a desire to provide Tennesseans with a better home mortgage provider. Founder and President Matt Padgett was purchasing a residential investment property in 2004, and he became increasingly irritated by and disappointed in the lack of knowledge and good customer service he encountered along the way
(815) 729-3211 Lender's profile and map Reviews NuMark Credit Union 1654 Terry Drive, Joliet, IL, 60436 NuMark’s mission is to enrich the financial lives of our members. NuMark Credit Union offers a full menu of financial services from mortgage and auto loans to free checking accounts and business services. We remain dedicated to putting our members first, treating them like family and helping them do more with their money.
(815) 645-2266 Lender's profile and map Reviews Stillman Bank 101 East Main Street, Stillman Valley, IL, 61084 "Stillman Bank is a local, independently-owned community bank founded in 1882 and has been meeting the financial needs of our customers in northern Illinois for more than a century. We offer the products and services you expect from big banks, but we do it with a friendly, hometown touch. And, because we are a community bank,"
(970) 564-9478 Lender's profile and map Reviews First National Bank Cortez 2258 East Main Street, Cortez, CO, 81321 In June 1957, approval was given by appropriate governmental agencies for a national bank in Cortez, Colorado. The First National Bank was to be located on the corner of Main and Elm Streets, in the heart of Cortez. The stockholders of J.J. Harris Bank voted to consolidate with First National Bank, Cortez.
(630) 854-3459 Lender's profile and map Reviews Smart Mortgage Center - Patty Harrison 16151 S Lincoln Highway, Plainfield, IL, 60586 Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate
(502) 532-7392 Lender's profile and map Reviews United Citizens Bank & Trust Company 8198 Main Street, Campbellsburg, KY, 40011 The mission of United Citizens Bank is to be a locally owned community bank serving our customers by offering and delivering quality financial services at competitive rates. We are committed to active community involvement. We will strive to maintain financial soundness and stability while providing shareholders a reasonable return on their investm
(815) 478-4611 Lender's profile and map Reviews First Bank of Manhattan 230 South State Street, Manhattan, IL, 60442 The First Bank of Manhattan has been providing high quality, full service personal and business banking services to Manhattan and our neighboring communities of New Lenox, Elwood, Wilmington and Wilton Center. The bank offers a full range of deposit products such as Checking, savings, CD’s, IRA’s, children’s and teen’s accounts.
(478) 471-9946 Lender's profile and map Reviews MidSouth Community Federal Credit Union 4810 Mercer University Dr, Macon, GA, 31210 MidSouth Community Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder/owner of a unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.