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.
8333 Northwest 53rd Street, Suite 401, Doral, FL, 33166
"Intercorp Mortgage Solutions offers Conventional and Private lending services in the South Florida area. We support our clients through the process of financing and managing their investments by offering solutions adapted to their needs.
Our services include Conventional, FHA, VA and high cost loans, residential and commercial mortgages,"
8200 Northwest 41st Street, Suite 200, Doral, FL, 33166
We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
At Prada Mortgage Bankers, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We are a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs.
3900 Westerre Parkway, Suite 300, Richmond, VA, 23233
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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
3900 Westerre Parkway, Suite 100, Richmond, VA, 23233
Dominion Capital Mortgage Inc. understands that every borrower is different. Our goal is to tailor a loan to fit individuals needs while maintaining a quick, simple and straigtforward process. One of our licensed Mortgage Loan Originators will help each customer through the process from start to finish.
United Capital Point connects residential and commercial investors with the right lending solutions. Specializing in DSCR, hard money, and bridge financing with flexible guidelines and fast closings. Whether you’re acquiring, refinancing, or scaling your portfolio, we match you with the right loan — every time.
180 E Dania Beach Blvd, Suite 107, Dania, FL, 33004
United Capital Point was founded by a group of professionals with more than 15 years of combined experience in the areas of Commercial Real Estate Lending and Business Working Capital Loan Funding. There’s a lot to consider when searching for the right loan program for your immediate investment.
