USDA and FHA Pro and Con in Shady-Shores, Denton County, TX

As of 2026, the USDA loan limit for Shady-Shores in the county of Denton, TX, is $329,300. In contrast, the FHA limit for a single-family home is set at $411,700.

Leverage the Lendersa® USDA loan calculator to compare today's best USDA to FHA rates, helping you determine the necessary income, credit, reserves, and documentation needed for qualification. Through our advanced mortgage calculator, view side-by-side comparisons of USDA, FHA, Conforming, and VA loans to decide which plan in is the most favorable for your financial situation.

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2026 Loan Limits and Downpayment Specifications in Shady-Shores, Denton County, TX

Loan Type Loan Limit Down Payment
USDA $329,300 0%
FHA $411,700 3.5%
Conventional Conforming $548,250 3%

Available USDA and FHA Loan Programs in Shady-Shores, TX

The aim of Lendersa® is to promptly provide you with the best USDA or FHA loan, free of hassle. Select from three starting options that result in finding matching lenders and assessing USDA loan programs.

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What Exactly is a USDA Loan in TX?

A USDA home loan is guaranteed by the U.S. Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is solely available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require zero down payment.

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



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