USDA Vs. FHA your options comparison in McKinney, Collin County, TX
In 2025, the USDA loan limit for McKinney, located in Collin County, TX, is $360,600, while the FHA limit for a single-family home is $531,300.
Use the Lendersa® USDA loan calculator to evaluate and compare today's premier USDA versus FHA rates. Identify the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side, aiding in selecting the best program for your financial needs in .
2025 Loan Limits and Downpayment Requirements in McKinney, County of Collin, TX
Loan Type
Loan Limit
Down Payment
USDA
$360,600
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in McKinney, TX
Lendersa® aims to connect you with the best USDA or FHA loan fast and hassle-free. Opt for one of three pathways resulting in matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans, which demand a minimum 3.5% down payment, USDA loans require no down payment.
Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.
Yantis Federal Credit Union is located in Yantis, Texas. The Credit Union was the vision of H.E. Coker and a handful of Yantis residents. Together they generated community interest in the concept of “people helping people.” Yantis Federal Credit Union was granted a Community Charter in August 1955.
There’s only one Cowboy Bank in Texas and it is deep in the heart of Maypearl. With a brand and a culture based on the time traditions of honesty and integrity, The Cowboy Bank stands out as a true hometown institution. The Cowboy Bank of Texas maintains a strong tradition of economic support and financial service.
A group of local businessmen came together in May 1922 to form Paris Building and Loan Association. The original mission of the organization was to lend money for building, improving, and paying debts on homesteads and to lend money to members of the Association. First Federal Community Bank is proud to be the hometown bank of choice.
Our pledge is to provide the very best financial services, using sound business practices in the most professional & friendly manner possible. Your privacy is important to NETTFCU. We do not give out any non-public personal information to anyone except as permitted or required by law & to 3rd parties as needed to conduct business on your behalf.
Liberty National Bank is a full-service community bank serving the financial and civic needs of the greater Red River Valley. In addition to two banking locations in the City of Paris, Liberty also has an ATM machine located in West Paris at 1929 Bonham St. Liberty makes available to its customers.
Grandview Bank is Johnson County's oldest locally owned bank serving you since 1890. Founded in 1890, Grandview Bank is the fourth oldest state-chartered bank in Texas. Our full service banking offices are located in Grandview, Cleburne and Alvarado. We are the only bank in Johnson County with locally-based ownership.
The JRS Home Loans team is dedicated to helping you find & fund the home of your dreams. Contact a JRS Home Loans specialist today to start your search for a new home or mortgage loan. We make it easy for you to get pre-approved for your home loan. You have enough to worry about, we’ll handle all of the headaches & walk you through the process.
