USDA Vs. FHA Pro and Con comparison in Canyon-Lake, Comal County, TX

In 2025, the USDA loan limit for Canyon-Lake, located in the county of Comal, TX, is $322,900, while for a single-family home, the FHA limit is $403,650.

With Lendersa® USDA loan calculator, you can contrast today's leading USDA and FHA rates. Assess the income, credit, reserves, and required documents for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program in for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Canyon-Lake, Comal, TX

Loan Type Loan Limit Down Payment
USDA $322,900 0%
FHA $403,650 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Canyon-Lake, TX

Lendersa® aims to provide you with the most favorable USDA or FHA loan quickly and straightforwardly. Select one of three pathways that connect you with matching lenders and USDA loan programs tailored to your needs.

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Understanding USDA Loans in TX

The USDA home loan, guaranteed by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • V P Clarence Co
  • 413 N. Mesa, El Paso, TX, 79901
  • V.P. Clarence Company is the oldest and largest privately-held full service commercial mortgage banking firm serving its clients in West Texas and New Mexico. V.P. Clarence Company is proud of its long history representing many of the most successful and respected developers and commercial property owners in the region.
  • Kell Capital, LLC
  • 221 N Kansas St, Suite 1211, El Paso, TX, 79901
  • Kell Capital, LLC, is an asset-based private lending company based in downtown El Paso, Texas. Since 2011, our funding has helped to improve communities throughout Texas and Hawai'i by bettering the real estate landscape, helping to improve the viability of business owners furthering the progress and success of real estate investors.
  • Magnolia Federal Credit Union
  • 240 Briarwood Drive, Jackson, MS, 39206
  • Magnolia Federal Credit Union is a multi-million-dollar, full-service financial institution offering a large suite of financial products and services to its members. Because we’re not focused on shareholders, we return our earnings to our members in the form of reduced fees, lower interest rates on loans, and higher returns on savings.
  • Neighborhood Mortgage LLC
  • 211 W Yandell, El Paso, TX, 79902
  • Neighborhood Mortgage LLC is El Paso owned & provides loans when other lenders cannot.We pride ourselves in providing the best rates available to get your loan approved when it matters most. We’ve worked hard to make El Paso’s dreams of home ownership a reality.You can count on our El Paso, TX team to help you take out a private home loan.
  • CADENCE LENDING GROUP, INC
  • 211 W Yandell, El Paso, TX, 79902
  • 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.
  • Mississippi Highway Safety Patrol Federal Credit Union
  • 1900 East Woodrow Wilson Avenue, Jackson, MS, 39216
  • We exist solely to serve our members by offering products designed to meet their financial needs, enhance their financial well-being and improve their lives in general. In other words, we exist for you. You are the credit union. You are our purpose and we are here to make your money work for you.
  • Mississippi Federal Credit Union
  • 2500 North State Street, Jackson, MS, 39216
  • Mississippi Federal Credit Union is a not-for-profit full service financial institution. We offer every financial product from basic savings up to wealth management. We do it with better service and lower fees than a traditional institution. We are owned by our account holders, have over 5, 500 branches nationwide.
  • HealthPlus Federal Credit Union
  • 500 East Woodrow Wilson, Suite H, Jackson, MS, 39216
  • Healthplus Federal Credit Union has been serving the Mississippi Health Department and their families since 1948. We are located at 500 E Woodrow Wilson Ave, Jackson, Mississippi, United States. We encourage our members to enroll in online banking to manage your accounts, make loan payments, pay bills, and more at your own convenience.
  • Planters Bank & Trust Company
  • 212 Catchings Street, Indianola, MS, 38751
  • Planters Bank & Trust began serving customers in the small community of Ruleville, Mississippi. Throughout our growth, Planters Bank has remained rooted in its mission to dedicate resources to the betterment of our customers and to the communities we live and work.Currently headquartered in Indianola.
  • ECM Federal Credit Union
  • 665 Highland Colony Parkway, Ridgeland, MS, 39157
  • At ECM Federal Credit Union! We are a member-owned credit union. When you join the family, you can take advantage of banking services, competitive rates, and personalized service. ECM Federal Credit Union has been open since 1967. It is the 25th largest credit union in Mississippi with assets totaling $25.84 Million
  • Members Exchange Credit Union
  • 107 Marketridge Drive, Ridgeland, MS, 39157
  • MECU was originally chartered solely for the employees of Presto Manufacturing Company in Jackson. Our humble credit union has grown to include more than 600 member companies across central and northern Mississippi. At Members Exchange, you’ll know right away that you’re more than a customer – you’re a member.
  • First South Farm Credit
  • 574 Highland Colony Parkway, Ridgeland, MS, 39157
  • First South is a financial cooperative, which means we are owned by customers just like you. When borrowing from First South, you become a stockholder and a member. Our mission is to support agriculture and rural communities by providing a steady flow of credit to eligible borrowers in Alabama, Louisiana, and Mississippi.