USDA Vs. FHA Pro and Con comparison in Prosper, Collin County, TX
In 2025, the USDA loan limit for Prosper, located in Collin, TX, is $360,600. Meanwhile, the FHA limit for a single-family home is $531,300.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates. Determine the required income, credit score, reserves, and necessary documents for eligibility. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, helping you find the best program in for your financial circumstances.
Loan Limits and Downpayment Details for 2025 in Prosper, 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 Prosper, TX
Lendersa® is committed to getting you the best USDA or FHA loan efficiently. Start with one of three methods to connect with lenders and USDA programs.
The USDA home loan, supported by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is designed for rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
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