USDA VS FHA in Crystal-City, Zavala County, TX

In 2026, the USDA loan cap in Crystal-City, located in the county of Zavala, TX is $285,000, while the FHA cap is $356,362 for a single-family dwelling.

To compare the most favorable USDA versus FHA rates for today and to ascertain the necessary income, credit score, reserves, and documents for qualification, utilize the Lendersa® USDA loan calculator. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options simultaneously, aiding you in selecting the best program in tailored to your financial needs.

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2026 Loan Limits and Down Payment Requirements in Crystal-City, county of Zavala, TX

Type of Loan Limit of Loan Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Options in Crystal-City, TX

Lendersa® aims to secure you the finest USDA or FHA loan swiftly and with simplicity. Choose from three starting points that align with matching lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that demand at least 3.5% as a down payment, USDA mortgage loans require no down payment at all.

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



Crystal-City Lenders

  • Capital Bank of Texas
  • 200 North Fifth Street, Carrizo Springs, TX, 78834
  • Lends in Texas
  • Capital Bank of Texas is an independently-owned community bank focused on providing a better financial relationship through a more meaningful, personalized experience. We believe in meeting the needs of the communities we serve by providing real local support and industry-leading financial services.

  • TXN Bank
  • 1502 Avenue M, Hondo, TX, 78861
  • Lends in Texas
  • Our mission is to provide the highest quality banking and financial services to our customers and communities we serve while enhancing value for our shareholders. TXN Bank is the culmination of hard work from our employees and extraordinary vision from our board and shareholders. We plan to continue the legacy of community banking.

  • Castroville State Bank
  • 502 Paris Street, Castroville, TX, 78009
  • Lends in Texas
  • 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.

  • Falcon International Bank
  • 7718 Mcpherson Rd, Building F, Laredo, TX, 78045
  • Lends in Texas
  • Falcon’s current owners acquired the bank in 1995, the staff consisted of only 20 employees and $52 million in assets. Today, with the benefit of steady leadership, talented employees and a loyal clientele, Falcon is celebrating its 35th year anniversary and is the 75th largest bank in Texas and is proud to have over 350 dedicated bankers on its te

  • GEO Mortgage
  • 9901 McPherson Rd, Suite 101, Laredo, TX, 78045
  • Lends in Texas
  • GEO Mortgage Services, Inc., we are committed to helping you find the right mortgage loan that fits your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. With many satisfied customers, our staff works to provide you with the lowest rates and the best service in the area.

  • Air Force Federal Credit Union
  • 1560 Cable Ranch Road, Suite 200, San Antonio, TX, 78245
  • Lends in Texas
  • 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.

  • Bandera Bank Bandera
  • 207 Main St., Bandera, TX, 78003
  • Lends in Texas
  • Bandera Bank has engaged technology experts to ensure that it has state of the art technology to protect your information and transactions, keeping them private and secure as you us the institution's Internet banking system. Through the institution's Internet banking system, you may conduct banking transactions

  • Southwest Research Center Federal Credit Union
  • 7215 Culebra Road, San Antonio, TX, 78251
  • Lends in Texas
  • At Southwest Research Center Federal Credit Union, members come first. We promise to offer honest, fair deals to every member, every time. We promise to treat every member with both respect and dignity. We promise to strive to be a trusted financial advisor that our members can count on to assist them with achieving their financial dreams.

  • Town Square Financial
  • 8552 Murray Grey, San Antonio, TX, 78254
  • Lends in Texas
  • 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