USDA Vs. FHA your options comparison in Waxahachie, Ellis County, TX
In 2026, the USDA loan limit in Waxahachie, located within Ellis county, TX, is $360,600. Meanwhile, for a single-family home, the FHA limit stands at $531,300.
Utilize Lendersa® USDA loan calculator to compare today’s best USDA against FHA rates, determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, supporting your decision for the most suitable program in applicable to your financial needs.
2026 Loan Limits and Downpayment Requirements in Waxahachie, County of Ellis, 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 Waxahachie, TX
The goal of Lendersa® is to swiftly facilitate your access to the optimal USDA or FHA loan without hassle. Choose from one of three starting points to connect with lenders and explore USDA loan options.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum of a 3.5% down payment, the USDA mortgage requires none.
Ellis County Teachers & Employees Federal Credit Union
61 Northgate Drive, Waxahachie, TX, 75165
Lends in Texas
Ellis County Teachers & Employees Federal Credit Union, you’re a member, not a number. Our goal is to put our members first in all we do.We provide products and services that help the financial stability and economic growth for both our members and our community. As part of your community, we plan for the future to help individuals achieve.
130 Chieftain Drive, Suite 103, Waxahachie, TX, 75165
Lends in Texas
We have been originating mortgage loans for over 24 years here in the Dallas and Ellis County area. We pride ourselves on providing our customers with the perfect loan for their situation, good rates and personal service. We work diligently to make your lending experience a good one.
We believe in mPowering our customers, the importance of giving back to the communities we serve, & we are proud to stand behind our promises.
In business since 1868, we are the third oldest independent bank in Texas. With current assets over $600 million, we are 10 branches located in 7 cities: Waxahachie, Midlothian, Red Oak, Italy, Cedar Hi
Gerard Mortgage LLC, your Texas home loans experts dedicated to making your home purchase or refinance experience is top-notch. 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.
ESB Mortgage, a department of Ennis State Bank, makes it easy and convenient for you to shop for the loan options that are right for you at the most competitive rates. We provide our customers with direct access to an experienced, “live” loan officer. Our staff is here to guide you through the often difficult and challenging process.
Trinity Oaks Mortgage, LLC supports Equal Housing Opportunity. When dealing with home financing, we are not only working with one of our client's largest personal financial investments; we also are handling one of their biggest dreams. Since we work with matters so close to the heart, we serve our clients from ours.
There’s only one Cowboy Bank in Texas and it is deep in the heart of Maypearl. With a brand and a culture based on the time traditions of honesty and integrity, The Cowboy Bank stands out as a true hometown institution. The Cowboy Bank of Texas maintains a strong tradition of economic support and financial service.
Mid America Mortgage Southwest is an A+ rated mortgage lender based in Midlothian, Texas. Mid America Mortgage Southwest is a local, direct lender assisting clients with mortgages in the Dallas – Fort Worth Metroplex since 1998. We service all of Texas! Buying a home is one of the most important financial decisions you’ll make during your lifetime.
Corner Stone Credit Union began May 1, 1952 as FFE Operators Credit Union in Room #305 at 318 S. Cadiz, Dallas, TX. We started out with 10 share holders and 18 shares, consisting only of lease operators contracting with the Frozen Food Express, employees of the lease operators, employees of the credit union
