USDA Vs. FHA your options comparison in Elm-Creek, Maverick County, TX

In the year 2026, the USDA loan ceiling in Elm-Creek, county of Maverick, TX is $285,000, whereas the FHA cap for a single-family residence is $356,362.

Leverage the Lendersa® USDA loan calculator to evaluate USDA and FHA rates today, as well as to determine the necessary income, credit score, reserve funds, and documentation to qualify. This advanced tool allows for side-by-side comparisons of USDA, FHA, Conforming, and VA programs, helping you select the best option for your financial needs in .

Review loan options from a pool of 100 lenders

Review 2026 Loan Limits & Downpayment Details in Elm-Creek, Maverick, TX

Type of Loan Cap Amount Initial Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional $548,250 3%

USDA and FHA Lending Options in Elm-Creek, TX

The aim of Lendersa® is to provide you with the most suitable USDA or FHA loans quickly and with minimal fuss. Start with one of three paths to find lenders that match USDA programs.

Lendersa USDA loan request results

Understanding USDA Loans in TX

The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development mortgage, is exclusively available in rural regions. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans require none.

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



Elm-Creek 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.

  • 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.

  • Texas Community Bank
  • 6721 Mcpherson Road, Laredo, TX, 78041
  • Lends in Texas
  • Texas Community Bank is a locally owned and operated, community-oriented financial institution with its heart and roots embedded along the South Texas-Mexico border. TCB is a wholly owned subsidiary of Vision Bancshares, Inc, a one-bank holding company that was founded in 2003 by Laredo banker, Douglas G. Macdonald and a group of local investors.

  • South Texas regional fcu
  • 220 W Hillside Road, Suite 15, Laredo, TX, 78041
  • Lends in Texas
  • The South Texas Regional Federal Credit Union is a non-profit organization solely owned by its members. It is governed and insured by the National Credit Union Administration.

    We have been serving the Laredo and surrounding areas for more than 66 years. We strive to provide our members with services to meet their everyday needs.

  • Bravo Mortgage & Realty Group
  • 6999 McPheron Rd, Suite 108-B, Laredo, TX, 78041
  • Lends in Texas
  • We are a direct lender with low interest rates and great programs. We ONLY do mortgages. It is our specialty. Get us working for you. We are mortgage professionals. with 11 yrs of experience. Zeferino Perez is the CEO at Bravo Mortgage LLC. Zeferino help loan officers focus on what they do best; assist clients and close the sale.

  • Laredo Federal Credit Union
  • 1119 Corpus Christi Street, Laredo, TX, 78040
  • Lends in Texas
  • Laredo Federal Credit Union’s mission is guided by moral and ethical principles of honesty and responsibility to provide its members efficient, courteous, caring and professional financial services.

    On May 10, 1956, a group of teachers held a meeting to organize a federal credit union, Laredo Teachers Federal Credit Union.

  • The Bank and Trust, S.S.B.
  • 1200 Avenue F, Del Rio, TX, 78840
  • Lends in Texas
  • In 1910, The Bank & Trust opened its doors with a promise to provide superior financial products with exceptional customer service in Del Rio, Texas. The bank has served as a symbol of strength to its customers throughout times of trial and innovation including The Great Depression, two world wars

  • Border Federal Credit Union
  • 2211 N Bedell Avenue, Del Rio, TX, 78840
  • Lends in Texas
  • Border FCU is a not-for-profit community financial instituion owned by its members.and also BFCU's mission is to serve the community of member - owners by providing diverse, competitive and progressive financial services to improve the financial well being of our members and their families