In the year 2025, the FHA loan limits in Mercedes county of Hidalgo, TX, are defined as $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for those with three units, and $907,900 for four-unit structures.
When it comes to conventional loans, the maximum amount for a single-family home is $726,200, escalating to $929,850 for two-unit homes, $1,123,900 for three-unit properties, and reaching $1,396,800 for buildings with four units.
To explore today’s best FHA rates and calculate necessary downpayment, income, credit score, reserves, and required documents for qualification, utilize our FHA calculator.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with those of other lending options. Consider FHA alongside Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loan programs.
By sourcing loan program data from numerous lenders, Lendersa® swiftly aligns these with your specific financial profile and needs, allowing rapid assessment.
Our Loan Limits Comparison Table for 2025 in Mercedes, county of Hidalgo, TX, provides a comprehensive analysis of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed comparisons of qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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