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.
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