USDA and FHA Pro and Con in Plano, Collin County, TX
As of 2026, the USDA loan limit for Plano in Collin County, TX is set at $360,600. In contrast, the FHA limit for a single-family home is $531,300.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and determine the required income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, aiding in deciding which program best fits your financial needs in .
2026 Loan Limits and Downpayment Requirements in Plano, County of Collin, 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 Plano, TX
Lendersa® is dedicated to getting you the best USDA or FHA loan quickly and without hassle. Begin by selecting one of three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Contrary to FHA loans requiring a 3.5% minimum down payment, USDA loans require none.
Crebrid is a Texas based, tech-driven hard money lender with rates starting at 7.73% for flips and can close within 2 days with a full file submission. We pride ourselves with our customer service, speed and ease. Reach out to get started! I, Kamren, will be your loan officer 469.460.0115 kallen@crebrid.com.
Whether it’s refinancing, buying a new home, building a home, or applying for home equity loans or second mortgages; we have an experienced, around the clock, qualified team of accessible “Wizards” who are with you every step of the homeownership process. Oz Lending has access to the best loan programs available, FHA, VA, Construction, Jumbo.
We are a full service Mortgage Broker offering a wide variety of loan programs. Unlike Banks or traditional mortgage companies who are locked into selling only their products, we work with several lenders and investors to select the right loan for you. Whether you are self-employed and have perfect credit or not so perfect credit we can help.
2701 N. Dallas Parkway, Suite 180, Plano, TX, 75093
Lends in Texas
Frisco Mortgage Guy because he is an integral member of the Frisco community where he lives and works. As a father of four, Geoffrey understands that for most people, their homes are not only their biggest financial investment but also the most important place to shelter and nurture their families.
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.
2805 N Dallas Parkway, Suite 120, Plano, TX, 75093
Lends in Texas
BHome Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers. These values are reflected in our actions.
"Spragins Mortgage Group | GW Home Loans is a leader in the mortgage industry. We strive to put every client first in helping you with any of your residential home loan needs.
We have been in the mortgage industry for over 10 years & with our expertise and we are sure we can find you what you need. Thank you for visiting Spragins Mortgage Grou
Independent Financial provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs, as well as busy families. OUR MISSION: Delight our customers with personalized financial solutions, uplift our communities with financial.
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
