USDA Vs. FHA your options comparison in Edinburg, Hidalgo County, TX
In 2026, the USDA loan ceiling in Edinburg, within the county of Hidalgo, TX, stands at $336,500, while the cap for an FHA loan is $472,030 for a single-family dwelling. These figures are crucial for prospective buyers assessing their mortgage possibilities.
Lendersa® offers a USDA loan calculator to efficiently compare the latest USDA and FHA rates. This tool is pivotal in determining the income, credit standing, reserves, and documentation required to meet eligibility criteria. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, aiding users in pinpointing the most suitable financial product in Alabama for their personal economic needs.
2026 Loan Limits and Down Payment Needs in Edinburg, County of Hidalgo, TX
Type of Loan
Maximum Loan Limit
Down Payment Requirement
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Edinburg, TX
The aim of Lendersa® is to facilitate access to the best possible USDA or FHA loans swiftly and without difficulty. Start with any of the three initial points to get matched with lenders and USDA loan programs.
A USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is a government-backed product provided by the Department of Agriculture. It is specifically available for those in rural areas. Unlike FHA loans that require a minimal down payment of 3.5%, the USDA mortgage conveniently demands no down payment, making home ownership more attainable for eligible rural buyers.
Security First Federal Credit Union has been dedicated to improving the quality of life in the communities we serve. With over $375 million in assets, Security First Credit Union has grown to 15 locations throughout the Rio Grande Valley. As a financial institution we offer similar products and services as a bank. As a credit union
Texas National Bank has been serving the Rio Grande Valley since 1920 and prides itself on knowing the community – not just the needs of the community but the people living within that community as well.
Known originally as First National Bank of Mercedes in 1920, the bank changed its name in 1985 to become Mercedes National Bank.
We are a group of individuals that are uniquely different, we share a common goal and the like-minded belief that we can change the face of real estate through knowledge, experience, hard work, technology, honesty, integrity and by and giving back to our community. We are NOT centered around a presentation or sales pitch
3111 W Freddy Gonzalez, Suite 225, Edinburg, TX, 78539
Lends in Texas
"WallStreet Wholesale Lender LLC is designed to help borrowers with their Mortgage Loan. Our platform allows borrowers to obtain wholesale rates in a retail market. Our Loan Officer are Licensed and educated. We obtain the best loan officers in Texas. Our requirements are for our Loan Officers to be educated, resourceful."
South Texas Federal Credit Union is a full service Financial institution established in 1952 in McAllen, TX. STFCU offers checking and savings, as well as CDs and IRAs, accounts to any resident of the Hidalgo County, but with 55, 000 ATMs nationwide for the convenience of our members.
Lone Star National Bank is a full-service independent community bank with many locations across South Texas, founded on January 23, 1983. Lone Star National Bank is a technologically advanced, full-service, independent, community bank with over 700 employees and many locations across South Texas.
Mr. Mortgage, LLC was born, to provide clients & business partners with the highest level of personalized service, expertise & competitive home loan programs in the market today. We are a full-service residential mortgage broker providing Home Loans across the state of Texas. We pride ourselves on making the loan process simple & straightforward.
2511 Buddy Owens Blvd, Suite A, McAllen, TX, 78504
Lends in Texas
Global Fox Financial is a private commercial real estate lender and structured finance company that offers financing to borrowers directly and through a network of finance professionals. Global Fox Financial is additionally a partner of Rio Grande Capital LLC, our account receivable brokerage. We feature a variety of commercial loan programs.
Joe Cuellar, Branch Manager for Castle & Cooke Mortgage in McAllen, Texas, truly knows the ins-and-outs of the mortgage business! Whether clients are seeking alternative ways of generating income through investing in real estate or are simply looking for a home mortgage, Joe is the guy to see. With more than 30 years in the financial
