USDA Vs. FHA Pro and Con comparison in McKinney, Collin County, TX
In 2026, 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 .
2026 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.
CAPE Federal Credit Union currently serves those who live, work, worship or attend school in Harrison County. CAPE will also partner with businesses like yours to become members of our Credit Union! Credit Union currently serves those who live, work, worship or attend school in Harrison County.
The Steel Valley Federal Credit Union, a not for profit financial cooperative, is organized and managed to provide a safe, economical, and convenient financial institution for our membership. To promote thrift and through competitive dividends for savings, and provide economical loans with competitive interest rates.
Secure Lending Incorporated’s mission is to serve our clients with honesty, integrity and competence. Our goal is to provide home loans to our clients while also providing them with some of the lowest interest rates and closing costs available. Furthermore, we pledge to help our clients overcome roadblocks that can arise while securing a loan.
Salt Lake Neighborhood Housing Services (NHS), doing business as NeighborWorks® Salt Lake (NWSL), builds on the strengths of neighborhoods, creating opportunities through housing, resident leadership, and youth and economic development. We work in partnership with residents, government, and businesses to build and sustain neighborhoods of choice.
Discover unparalleled financing with PhoneOps Funding, LLC! We specialize in providing real estate investors and borrowers with streamlined, flexible lending through our Hard Money Program, featuring expedited closings in as few as 7 days and no minimum FICO score. Whether acquiring or refinancing, PhoneOps ensures your investment journey is seamle
Taleris Credit Union (TCU) is made up of groups of people, related by a common bond, who pool their savings into a fund from which each may borrow should the need arise. This philosophy of “People Helping People” has been the cornerstone of TCU for over 80 years. TCU is a democratically operated financial institution owned and operated by its membe
6100 Rockside Woods Drive, Suite 150, Independence, OH, 44131
In 1953, the big expansion took place and the credit union was renamed Cleveland Teamsters Credit Union. Its assets, which had climbed from $2, 666 in 1940 to $352, 000 in 1952, suddenly zoomed to just under $572, 555 in 1953, to nearly a million in 1955. The credit union has since experienced steady growth.
Century Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit unions, like Century Federal, are less likely to charge service fees than banks, that are for-profit institutions. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
