Explore the differences! FHA VS Conventional loan programs in Kirby, Bexar County, Texas

In the year 2026, the limit for conventional loans in Kirby, part of Bexar county, TX, is $726,200. For single-family homes, the FHA limit is $524,400.

Use Lendersa®'s calculator to compare current best rates between Conventional, FHA, and USDA loans, analyzing required income, credit, reserves, and qualifications. Our advanced calculator offers a side-by-side look at Conforming Conventional, USDA, FHA, and VA loans, aiding decision-making for an optimal program in TX.

Evaluate loan offers from a selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Kirby, Bexar, TX

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $359,700 0%
FHA $524,400 3.5%

Relevant zip codes for this table: 78219

Conventional and FHA Loan Options Available in Kirby, TX

Lendersa® strives to secure the best possible Conventional, USDA or FHA loans quickly and efficiently. Choose from one of three starting options to find matching lenders and loan programs.

Results for Lendersa USDA loan requests and matches


  • Security Service Federal Credit Union
  • 15000 IH 10 West, San Antonio, TX, 78249
  • Security Service Federal Credit Union offers competitive, affordable financial products and services designed to meet the needs of its members. Security Service is an industry-leading financial institution with locations in Texas, Colorado and Utah. The credit union is among the top credit unions in the nation.

  • Expedient Mortgage
  • 15900 La Cantera, Suite 26235, San Antonio, TX, 78256
  • Expedient Mortgage is the trusted, local APM division that caters to the specific needs of your community. Like APM, Expedient Mortgage’s mission is to create experiences that matter while serving your home financing needs.Whether you are buying your first home, a new investment property or building your dream home.

  • La Cantera Loans
  • 15900 La Cantera Parkway, Suite 26225, San Antonio, TX, 78256
  • "Our experienced loan officers will find the best mortgage options and loan programs tailored to your needs. Our bilingual staff will answer any questions you have before, during and after the home buying process to keep you informed every step of the way.

    Located in San Antonio, Texas, The La Cantera at Directions Home Loan team works"

  • Air Force Federal Credit Union
  • 1560 Cable Ranch Road, Suite 200, San Antonio, TX, 78245
  • AFFCU (Air Force Federal Credit Union) is a full-service financial organization based in San Antonio, Texas. We offer banking products including savings, checking, money market accounts, certificate accounts, and more. We also provide auto loans, personal loans, mortgage loans, home equity loans, Visa credit cards, and more.

  • Town Square Financial
  • 8552 Murray Grey, San Antonio, TX, 78254
  • At Town Square Financial, we understand that time is critical, and traditional banks can make the process unnecessarily slow and complex. That’s why we’ve streamlined our approval process to get you funded fast—with fewer conditions and no red tape. Whether you've been turned down by other lenders or need quick financing to seize an opportunity, we

  • Credit Human Federal Credit Union
  • 7915 W Loop 1604 N, Suite 111, San Antonio, TX, 78254
  • In 2016, SACU became Credit Human. Our new name reflects the San Antonio values that have guided us since we started here in 1935—a belief in others, giving credit to the dreams of our members, and being more human by treating each other with the respect that all of us deserve. This new name extends that belief to every member we serve

  • County Line Mortgage
  • 737 San Mateo, New Braunfels, TX, 78132
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • Barton Springs Financial
  • 801 Madison Ave, New Braunfels, TX, 78130
  • We're passionate about helping everyone become a homeowner! Our goal? To help you find the very best home loan in the market with the lowest rate and lowest fees possible. It's just that simple! Our decades of experience and industry knowledge, we'll work diligently to find the home loan that best suites your goals.

  • Bluebonnet Mortgage LLC
  • 438 South Water Lane, New Braunfels, TX, 78130
  • Bluebonnet Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

  • Castroville State Bank
  • 502 Paris Street, Castroville, TX, 78009
  • Castroville State Bank was originally founded by a group of local citizens who recognized the need for a banking facility in Castroville. After traveling to Austin to meet with officials of the Texas Banking Commission, the delegation received approval to begin state banking operations on January 14, 1959.

  • Alamo Premier Mortgage
  • 19851 State Hwy 46 W, Suite 201, Spring Branch, TX, 78070
  • "At Alamo Premier Mortgage We underwrite, process and close our own loans.

    We do VA, FHA, conventional, jumbo and investment loans.

    We NEVER change our fees, you will know what you are paying for a loan, the rate and terms before you sign your paperwork

    We can Pre Approve your Land, Construction and Final Loan in one stop."