USDA and FHA Pro and Con in Fort-Bliss, El Paso County, TX

In 2026, the USDA loan limit in Fort-Bliss, within El Paso, TX amounts to $285,000, while for a single-family home, the FHA limit is $356,362.

Leverage the Lendersa® USDA loan calculator to compare current top rates for USDA and FHA loans, determining necessary income, credit reserves, and documents to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

Compare loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Fort-Bliss, El Paso, TX

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

Exploring USDA and FHA Loan Options in Fort-Bliss, TX

Lendersa® is committed to securing for you the best USDA or FHA loan quickly and without hassle. Start with one of three methods to match with lenders and USDA loan programs effectively.

Lendersa USDA loan request and matching results

What Is a USDA Loan in TX?

A USDA home loan, also known as a USDA rural development loan or mortgage, is a government-backed loan available only in rural areas. It stands apart from FHA loans, which require a minimum down payment of 3.5%, as USDA loans require no down payment whatsoever.

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



  • Destiny Mortgage Group Inc
  • 606 Bosley Avenue, 1st Floor, Towson, MD, 21204
  • Our clients’ satisfaction is paramount, which is why we’ll do everything we can to ensure that our clients walk away from the transaction happy. This includes: our 1-hour pre-approval process, our commitment to full and complete transparency to all interested parties, and our focus on constant communication, all while offering the lowest rates.

  • Arrive Mortgage LLC
  • 100 West Road, Suite 300, Towson, MD, 21204
  • "At Arrive we are guided by technology in our efforts to improve the mortgage experience. We believe that the journey to home ownership should be simple and enjoyable.
    Our Mission is to provide a superior mortgage experience so that our customers recommend us, partners enjoy working with us, employees are proud to be a part of the family"

  • Mr. Swanson Mortgage
  • 30 East Padonia Rd, Suite 408, Lutherville Timonium, MD, 21093
  • Mr. Swanson Mortgage, established in 2020, is a full service mortgage brokerage for residential and commercial loans. We offer loans to everyone and as our byline reads, ours loans are for the people! When you’re working with a broker in the mortgage industry, you’re working with Mr. Swanson Mortgage, who goes out

  • FHA Renovation Loans, LLC
  • 2107 Forest Ridge Road, Lutherville Timonium, MD, 21093
  • FHA Renovation Loans residential mortgage lender providing government-insured FHA loans to current homeowners who desire to renovate their property and prospective homeowners who want to renovate a home before they move in. With an FHA backed renovation mortgage, current and prospective homeowners do not need any equity in the home.

  • Bayshore Mortgage Funding LLC
  • 1920 Greenspring Dr, Suite 140, Lutherville Timonium, MD, 21093
  • At Bayshore Mortgage Funding LLC We have built a strong reputation as an outstanding Mortgage Lender, serving the needs of real estate professionals, builders and individual homebuyers throughout the country since 2001.

    We're a full service Mortgage Lender with an experienced staff offering expertise in every area of mortgage lending.

  • Best Loan Choice
  • 30 East Padonia Rd, Suite 408, Lutherville Timonium, MD, 21093
  • "Best Loan Choice, Inc. is a correspondent lender that was founded in 2014 by Cory Ruppersberger who, after 25 years in the mortgage and banking industry, sought to offer clients the best mortgage rates and a greater selection of home loan products.
    We pride ourselves on using a more individualized,"

  • Harborside Home Loans
  • 10749 Falls Rd, Suite 104, Lutherville Timonium, MD, 21093
  • Harborside Home Loans is a boutique mortgage brokerage that produces tailor-made mortgage solutions for our clients. We believe that all of our clients should have the best available financial advice coupled with a high level of personal attention.We also focus on execution, not only around our clients but also our realtor and referral partners.

  • Admiral Mortgage Services LLC
  • 3456 Monarch Drive, Edgewater, MD, 21037
  • Admiral Mortgage Services was designed by loan officers for the benefit of the consumer. Our cutting-edge technology and strategic business relationships allows our customers access to all Conventional Financing options, as well as FHA, VA, USDA and more and even several great options for our self-employed customers

  • Universal Mortgage & Finance
  • 3158 Braverton Street, Suite 204, Edgewater, MD, 21037
  • Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .

  • BlackWater Funding
  • 403 Fairlea Drive, Edgewater, MD, 21037
  • BLACKWATER FUNDING PROVIDES QUICK COMMERCIAL REAL ESTATE LOANS & CAPITAL FOR INVESTORS & OWNERS OF OWNER-OCCUPIED PROPERTIES. WE ALSO OFFER LOANS FOR UNIQUE PROPERTIES: (CHURCHES, CAR WASHES, MOBILE HOME PARKS, GAS STATIONS,CHILDHOOD CARE, AUTO REPAIR SHOPS, SELF STORAGE,LAND, ETC.)

  • MECU Credit Union
  • 1 South Street, Baltimore, MD, 21202
  • Our local Baltimore roots go back to 1936. From our humble beginnings to today, we have always put working families and their financial well-being at the center of everything we do. With better rates, free financial education and personal service, we are committed to improving the lives of our members and the communities we serve.

  • M&T Realty Capital Corporation
  • One Light Street, 12th Floor, Baltimore, MD, 21202
  • M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.