USDA VS FHA in Midlothian, Ellis County, TX

In 2025, USDA loan limit in Midlothian, county of Ellis, TX is $360,600 while FHA limit is $531,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments 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%

USDA and FHA loan options in Midlothian, TX

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Texas?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Lopez Financial
  • 315 E San Bernardino Rd, Covina, CA, 91723
  • Lopez Financial In business founder of the George Lopez is the Mortgage Broker of company since 1993 broad range of residential and commercial loans. We specialize in first time buyers.Residential and Commercial Financing. Offering all types of loans from Conventional, FHA, and VA loans. Face to Face customer service.
  • Prominent 1 Financial Group Inc.
  • 576 South Barranca Avenue, Covina, CA, 91723
  • Prominent 1 Financial Group Inc specialize in all types of financing that will best fit your financing needs. Wholesale Mortgage & Real Estate Broker Owner. I am approved with several Wholesale Direct Lenders, specializing in FHA, VA, Conventional, Jumbo, HUD, USDA and Down Payment Assistance Programs up to 104% Financing.
  • Royal Homes and Loans
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  • Royal Homes and Loans is located on Shoppers Lane in Covina CA specializing in buying and selling real estate, home loans, property management and credit correction. We serve Covina, West Covina, Glendora and the Los Angeles County, Riverside County & San Bernardino County, with professional real estate services.
  • C & S California Capital
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  • C&S California Capital was established in 1997 as a Mortgage Broker dedicated to provide informed, exceptional service. In January 2014, we became a division of American Pacific Mortgage. Becoming a direct lender as well as retaining the ability to broker loans, allows us to be highly efficient, diverse and resourceful in caring for our clients.
  • Golden Waters Funding, Inc
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  • 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.
  • MGM Lenders Inc.
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  • MGM Lenders provides quality mortgage lending services with the mission of offering competitive real estate financing with unmatched services.Our overqualified team, with a backbone of great teamwork, is ready to serve our customers in multiple languages - including English, Spanish and Farsi. We highly respect different cultures and languages.
  • Loankey.io
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  • Loankey.io founder of the Eric Antonio Figueroa is a full service Mortgage Brokerage offering Home and Commercial loans from over 20 lenders and also our team is ready to help. We can assist with all types of financing needs. Stated Income Programs, No Income Documentation, New Employment and Many More.
  • American First Credit Union
  • 6 Pointe Dr, Suite 400, Brea, CA, 92822
  • For more than 65 years, American First Credit Union has remained focused on the financial well-being of our members and our community, offering competitive products and personal service. With a vision to be our members’ most essential financial resource, we are relentless in our efforts to deliver a world of access, ease and convenience.