USDA and FHA Pro and Con in Southlake, Tarrant County, TX

In 2025, the USDA loan limit for Southlake, in Tarrant county, TX, is $360,600. Conversely, the FHA cap for a single-family home stands at $531,300.

Use the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. This tool helps determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding in your choice of the optimal program in for your individual financial situation.

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2025 Loan Limits and Downpayment Requirements in Southlake, County of Tarrant, TX

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

USDA and FHA Loan Options in Southlake, TX

The goal at Lendersa® is to enable you to secure the best USDA or FHA loan efficiently and without hassle. Choose one of three starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in TX?

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is solely available in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, the USDA mortgage requires none.

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



  • Abbeville Building & Loan
  • 1212 Charity Street, Abbeville, LA, 70510
  • Abbeville Building & Loan is a mutual state-chartered savings bank that has been operating in Abbeville, Louisiana since 1890. Our bank prides itself in providing excellent customer service. Our main emphasis is the origination and servicing of owner-occupied residential loans. We also have a full range of savings accounts
  • Credit Union of Dodge City
  • 802 W Trail Street, Dodge City, KS, 67801
  • The mission of a credit union is to provide and promote the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with the specific intent of helping members gain some particular measure of personal financial success.
  • Great Southern Bank
  • 218 S. Glenstone, Springfield, MO, 65802
  • Great Southern Bank, headquartered in Springfield, Missouri, was founded in 1923 with a $5, 000 investment and six employees. In 1989, the bank became a publicly traded company (NASDAQ: GSBC) and has since grown into a multi-state franchise serving customers primarily in the Midwest.
  • Multipli Credit Union
  • 818 N Benton Ave, Springfield, MO, 65802
  • "At Multipli Credit Union, we work to make your life easier through better interest rates, fewer fees and more personal service than you could ever get at a bank. Every day, you’re trying to stretch that dollar. You’re trying to do more with less. Make ends meet. And bring home the things you need and want.
  • Metro Credit Union
  • 447 South Campbell Avenue, Springfield, MO, 65806
  • Our staff is here to greet you with enthusiasm, provide knowledgeable answers to your questions, and offer solutions which make sense. We understand that people are busy with life and don't spend all day dreaming of banking. When you need something, we aspire to make all of these interactions a great experience.
  • Bank of St. Francisville
  • 5700 Commerce Street, Saint Francisville, LA, 70775
  • Bank of St. Francisville was chartered in 1978 by a simple handwritten letter and soon opened an office out of a small trailer. After only a year, the bank moved into a historic brick building on Commerce Street that still serves as our home today. From the moment our doors first opened, we’ve been committed to serving each
  • Estacado Federal Credit Union
  • 2220 N Dal Paso Street, Hobbs, NM, 88240
  • On January 13, 1953, a small group of people from the Hobbs Municipal Schools joined together to establish a credit union to offer its members an opportunity to accumulate their savings and create a source of credit. Since 1953, the credit union has experienced changes such as growth, new products & services, and technological improvements.
  • Lea County State Bank
  • 1017 N Turner St, Hobbs, NM, 88240
  • Chartered on November 2, 1928, during the great oil boom days the original Lea County State Bank of Lovington played an important part in the early development of this area. Dedicated to the people of Lea County, the bank adopted their pioneer spirit, which would eventually make this part of New Mexico great.
  • Texas Bridge Credit Union
  • 3131 Holly Road, Corpus Christi, TX, 78415
  • Texas Bridge Credit Union is a voluntary cooperative, not-for-profit savings institution, incorporated under the Texas Credit Union Act in 1951 for the purpose of encouraging thrift among its members, creating a source of credit at a fair and reasonable rate of interest, and providing an opportunity for its members to use.
  • Century Finance Co
  • 4314 Ayers St, Corpus Christi, TX, 78415
  • Century Finance makes loans up to $1340 with up to 12 months to pay back. If you have good credit, or slow credit Century Finance in most cases will be able to qualify you for a personal loan. Our personal loans are granted as unsecured loans. Unsecured loans and signature loans are provided on good faith or other wise called good faith loans.
  • First Bank Sterling, KS
  • 128 South Broadway Avenue, Sterling, KS, 67579
  • While our name - First Bank - may be relatively new, our roots run deep in Sterling and Rice County. Originally known as Farmers State Bank, the bank opened for business in Sterling on March 24, 1907 with Frank W. Ross as president. The previous November the bank was incorporated by a group of farsighted community business, farmers.
  • Mid-Missouri Bank
  • 3546 E. Sunshine, Springfield, MO, 65809
  • Mid-Missouri Bank is building the community bank of the future in the Ozarks today. It starts with having the best solutions for both personal & business banking. It continues with having the best people, the best facilities & the best customer experiences. Although we were chartered in 1872, we still consider ourselves to be just getting started.