Explore the differences! FHA VS Conventional loan programs in Schertz, Guadalupe County, Texas

In 2026, the conventional loan limit for Schertz, within Guadalupe county, TX, is $647,200. Meanwhile, the FHA limit for a single-family home is $449,650.

Utilize the Lendersa® Conventional loan calculator to compare the top rates among Conventional, FHA, and USDA loans today. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision in finding the best program in TX for your financial situation.

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Loan Limits and Down Payment Requirements in Schertz, Guadalupe, TX for 2026

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $322,900 0%
FHA $449,650 3.5%

This table applies to these zip codes: 78108

Explore Conventional and FHA Loan Options in Schertz, TX

The objective of Lendersa® is to swiftly secure the best possible Conventional, USDA, or FHA loan for you without hassle. Choose one of three starting methods that link you with lenders and suitable loan programs.

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Schertz Lenders

  • Triton Group at Legacy Mutual Mortgage
  • 3820 Farm to Market Road 3009, Suite 148, Schertz, TX, 78154
  • Lends in Texas
  • Triton Group Specializes in doing FHA, VA, Conventional, and USDA Home Loans for those looking to purchase a Primary Residence. Additionally we offer Conventional Secondary, and Investment Home Loans along with One time and Two time Construction Loans with no money down to those who qualify. and its lower interest rate on your current mortgage

  • Randolph-Brooks Federal Credit Union
  • PO Box 2247, Universal City, TX, 78148
  • Lends in Texas
  • We are committed to helping our members save time, save money and earn money. Our team of dedicated professionals is here to help you achieve your goals and build a strong financial future. Randolph-Brooks Federal Credit Union is focused on helping members save time, save money and earn money.

  • GROVE MORTGAGE HOME LOANS
  • 11405 Forest Shower, San Antonio, TX, 78233
  • Lends in Texas
  • Grove mortgage home loan be the premier mortgage provider in Texas, and your home mortgage solution. Our mortgage specialists place clients at the center of everything, exceeding expectations and building relationships that last a lifetime. We do what is right for the client by providing honest and reliable information.

  • VALUE FUNDING INCORPORATED
  • 126 Lanark Drive, San Antonio, TX, 78218
  • Lends in Texas
  • ValueFunding.Net offers the most complete types of loan programs to be found on the web. Our staff has many years of experience in areas of specialization from our select list.. View the many programs offered on the loan programs page. Access our loan application section to have your commercial and residential funding requirements met

  • Jefferson Bank
  • 1777 Northeast Loop 410, San Antonio, TX, 78217
  • Lends in Texas
  • Jefferson Bank is a family-owned bank serving communities in San Antonio and surrounding areas in the Texas Hill Country. Through the years, Jefferson Bank has created an elite team of highly skilled, family oriented and civic-minded individuals who contribute to the Bank continuing success.

  • Barton Springs Financial
  • 801 Madison Ave, New Braunfels, TX, 78130
  • Lends in Texas
  • 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
  • Lends in Texas
  • 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

  • County Line Mortgage
  • 737 San Mateo, New Braunfels, TX, 78132
  • Lends in Texas
  • 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

  • Firstmark Credit Union
  • 2023 Gold Canyon Drive, San Antonio, TX, 78232
  • Lends in Texas
  • In 1932, during the Great Depression, ten teachers agreed to establish a credit union to serve educators. San Antonio Teachers Credit Union (SATCU), the first state-chartered credit union in San Antonio, was born and proudly served members under that name for 70 years. In 2002, SATCU became Firstmark Credit Union.