USDA Vs. FHA your options comparison in Melissa, Collin County, TX
For 2026, the USDA loan limit in Melissa, located in Collin, TX, is $360,600. Meanwhile, the FHA limit for a single-family residence is $531,300.
Leverage the Lendersa® USDA loan calculator to analyze current USDA versus FHA rates and determine the necessary income, credit reserves, and documentation for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side-by-side, helping you choose the right program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Melissa, Collin, TX
Loan Type
Loan Limit
Down Payment
USDA
$360,600
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
Navigating USDA and FHA Loan Options in Melissa, TX
Lendersa® aims to quickly find you the most favorable USDA or FHA loan without any hassle. Begin with one of three starting options that match lenders with the right USDA loan programs.
The USDA home loan is backed by the U.S. Department of Agriculture, also referred to as USDA rural development loan or USDA mortgage. It's designed for rural neighborhoods only. Unlike FHA loans which mandate a minimum down payment of 3.5%, USDA loans do not require any down payment.
7290 Virginia Pkwy, Suite 2000, McKinney, TX, 75071
Lends in Texas
As professionals working within the real estate industry, Cynthia Brugge and her associates recognized the lack of information, education and choices available to the purchasing public and in 1982 they pioneered a new type of brokerage firm. This education has shifted power from the real estate and financial institutes to the consumer
Established in 1906 we have served the needs of our community for over 100 years. You are not simply customers to us; you are our friends and our family. We have strived to excel at bringing you the financial products and technological advancements to meet your needs while retaining our hometown feel.
Planwealth Financial Services is a (5) STAR rated Zillow lender that offers conforming, jumbo, FHA, VA, hard money, Bank statement, and USDA loans. In addition, we guarantee to every client to provide the lowest rate and terms that they can find in the industry. Feel free to forward your current mortgage rate quote to drew@planwealth.net.
Security Mortgage Co. of Allen set out in 2001 to provide quality, personal service for a growing local market & has been doing so ever since. As the market has evolved we have made the most up to date processing, competitive pricing & most of all quality, personal service. Security Mortgage Co. is a full service brokerage serving the North Texas.
8751 Collin McKinney Pkwy, Suite 1803, McKinney, TX, 75070
Lends in Texas
Tribune Mortgage We are passionate about our customers, our company, and our industry! Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
At LendNext Mortgage Corporation, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
321 N Central Expressway, Suite 360, McKinney, TX, 75070
Lends in Texas
Global Integrity Finance specializes in investor financing. If an investor or broker, we want to grow with you while funding the projects. Our loan products specific to long/short term rentals and fix-n-flips. Reach out to us today to with your loan scenario and become approved today.
6401 Eldorado Pkwy, Suite 116, McKinney, TX, 75070
Lends in Texas
High Country Mortgage Services We’re committed to providing you with the highest level of service, Our broker, Raeanne Hagin has more than 31years experience in the mortgage industry. She has worked in every aspect of the Mortgage Industry which makes her an Expert in her Field. We're passionate about delivering exceptional Customer Service.
Service First Mortgage I provide clients with "Service Beyond Your Expectations My clients enjoy the added benefits of receiving my Home Buyers Privileges program and Preferred Buyer Status. My dedication to serving my clients best interest affords me the gratification of knowing I will always have clients and friends for life.
