USDA and FHA Pro and Con in Cibolo, Guadalupe County, TX

In 2025, the USDA loan limit for Cibolo, within the county of Guadalupe, TX, is $359,700. In contrast, the FHA limit for a single-family home is $524,400.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, determining the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in fits your financial scenario best.

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2025 Loan Limits and Downpayment Requirements in Cibolo, County of Guadalupe, TX

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

Exploring USDA and FHA Loan Options in Cibolo, TX

Lendersa® aims to help you secure the best possible USDA or FHA loan quickly and without hassle. Begin with one of three starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is offered only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, a USDA mortgage requires none.

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



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  • Ryan Carrigan is the founder of mortgage company Ryan has earned his clients' trust with honest and direct communication through every step of the financing process. He and his team handle the details that typically stress borrowers when they work with large mortgage lenders. Whether your credit is ideal or less than average.
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  • Source 1 Mortgage has zero lender fees and is the largest Mortgage Brokerage in DeKalb county. We specialize in low down payment programs, as well as FHA, VA, Conventional and USDA loans. As a Brokerage we are able to works with some of the largest investors and mortgage wholesalers in the nation to offer you the widest array of product
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