USDA and FHA Pro and Con in Midlothian, Ellis County, TX
As of 2025, the USDA loan limit in Midlothian, county of Ellis, TX is set at $360,600. Meanwhile, FHA allows a limit of $531,300 for single-family homes.
To evaluate today's best USDA vs. FHA rates, use the Lendersa® USDA loan calculator. Determine the necessary income, credit, reserves, and documents required. Our advanced mortgage calculator displays choices side by side, including USDA, FHA, Conforming, and VA, aiding in selecting the best program in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Midlothian, County of Ellis, TX
Loan Type
Loan Limit
Down Payment
USDA
$360,600
0%
FHA
$531,300
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Midlothian, TX
Lendersa® aims to efficiently secure you a USDA or FHA loan without hassle. Choose one of three pathways to connect with lenders and explore USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, available solely in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, a USDA mortgage requires no down payment.
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