USDA VS FHA in Southlake, Tarrant County, TX

In 2026, 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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2026 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?



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