USDA Vs. FHA your options comparison in Midlothian, Ellis County, TX
As of 2026, 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.
2026 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.
Mid America Mortgage Southwest is an A+ rated mortgage lender based in Midlothian, Texas. Mid America Mortgage Southwest is a local, direct lender assisting clients with mortgages in the Dallas – Fort Worth Metroplex since 1998. We service all of Texas! Buying a home is one of the most important financial decisions you’ll make during your lifetime.
Gerard Mortgage LLC, your Texas home loans experts dedicated to making your home purchase or refinance experience is top-notch. 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.
We believe in mPowering our customers, the importance of giving back to the communities we serve, & we are proud to stand behind our promises.
In business since 1868, we are the third oldest independent bank in Texas. With current assets over $600 million, we are 10 branches located in 7 cities: Waxahachie, Midlothian, Red Oak, Italy, Cedar Hi
610 Uptown Boulevard, Suite 2000, Cedar Hill, TX, 75104
Lends in Texas
ince 2013, Corporate Capital, LLC has strived to operate as a trusted source for borrowers in need of funding. Our staff is trained to help you get the best loan option for your property or project. We offer the best loan programs designed to meet the needs for the traditional borrowers with verifiable income to the self employed .
There’s only one Cowboy Bank in Texas and it is deep in the heart of Maypearl. With a brand and a culture based on the time traditions of honesty and integrity, The Cowboy Bank stands out as a true hometown institution. The Cowboy Bank of Texas maintains a strong tradition of economic support and financial service.
Our Team is professional, with a sense of family putting our customers at ease, while making strategic decisions. Our expertise in knowing the process by the book, allows your confidence in our experience getting proven results. We at Stratford Group are humbled by your allowing us to assist in your guidance towards your vision becoming a reality.
First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices.
Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.
Minter Mortgage are you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
208 East Broad Street, Suite 101, Mansfield, TX, 76063
Lends in Texas
"At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
