USDA VS FHA in Ovilla, Ellis County, TX

In 2025, within the bounds of Ovilla located in Ellis county, TX, the USDA loan limit stands at $360,600, while the FHA loan limit for a single-family dwelling is $531,300.

Use the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates for today. It assists you in determining the qualifications necessary—which include income, credit rating, reserves, and documentation requirements. Our comprehensive mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options simultaneously, empowering you to select the best fit for your financial situation in .

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2025 Loan Limits and Down Payment Obligations in Ovilla, Ellis, TX

Loan Type Loan Limit Down Payment
USDA $360,600 0%
FHA $531,300 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Alternatives in Ovilla, TX

The mission of Lendersa® is to swiftly and effortlessly secure you the optimal USDA or FHA loan. Begin by selecting one of three starting paths to be partnered with lenders and explore USDA loan options.

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What Constitutes a USDA Loan in TX?

A USDA home loan, underwritten by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural locations. Differing from FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment whatsoever.

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



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