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.
11810 Grand Park Avenue,, North Bethesda, MD, 20852
REID Lending Partners is one of the Mid-Atlantic's premier private mortgage lender and Investment management firm providing small balance commercial loan solutions to real estate investors and property owners, all while generating competitive returns for its partners and investors.
1335 Rockville Pike, Suite 310, Rockville, MD, 20852
TopOne Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to
Lafayette Federal Credit Union is one of the premiere financial institutions in the Washington, D.C. area. Since our founding in 1935, we have sought to provide our members with a safe and convenient place to save, and to offer loans at rates and terms more favorable than those of other financial institutions.
At America Trust Funding, 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 and your family from the many mortgage options.
5640 Nicholson Lane, Suite 210, Rockville, MD, 20852
BMIC has a customized process that is simple and straightforward, allowing us to complete a loan application in a matter of minutes. We will have a loan decision for our clients within an hour. At that time, BMIC will issue a formal loan approval.BMIC recognizes that each circumstance is unique
5010 Nicholson Lane, Suite 100, Rockville, MD, 20852
At American Capital Financial Group, LLC. We are a full-service local mortgage company based in Rockville, MD. We specialize in First Time Home Buyers, Purchase, Refinance, VA, FHA, JUMBO and USDA Loans specifically in Maryland, Washington DC and Virginia. Here at American Capital Financial Group, we give you all the options of buying a home.
11140 Rockville Pike, Suite 400, North Bethesda, MD, 20852
Infinity Financial Services, LLC is a boutique mortgage company for both residential and commercial lending.The company was founded in 2000 by Sandra Marshall, a Maryland native and financing expert with more than 20 years of diverse experience in the lending and real estate industry.
