USDA Vs. FHA your options comparison in Helotes, Bexar County, TX

In 2025, the USDA loan cap in Helotes, Bexar county, TX is $359,700, while the FHA limit for a single-family home is $524,400.

Utilize the Lendersa® USDA loan calculator to contrast current USDA and FHA rates and identify the income, credit requirements, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the ideal program in for your financial scenario.

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2025 Loan Caps and Down Payment in Helotes, Bexar, TX

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

USDA and FHA Loan Choices in Helotes, TX

Lendersa® aims to quickly provide you with the best USDA or FHA loan without hassle. Begin with one of three entry points to find matched lenders and USDA loan products.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development or mortgage loan, is accessible only in rural locales. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage loan requires zero down payment.

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



  • Family Tree Lending
  • 34664 County Line Road, Suite 18, Yucaipa, CA, 92399
  • We are a full-service mortgage company based in Yucaipa, CA. We also serve all the surrounding cities in the Inland Empire. We specialize in FHA, VA, Jumbo, First Time Home Buyer, and Down Payment Assistance Programs.Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money .
  • Imagine Loan Funding
  • 11963 Stovall Way, Yucaipa, CA, 92399
  • "Imagine Loan Funding is licensed to originate and broker mortgage loans in the state of CA by the CA Dept of Real Estate. CA DRE #02095441, NMLS #1866855 We offer: Purchase, Refinance, JUMBO, Reverse Mortgages, Conventional, FHA, VA, USDA, CalHFA. We help many unique borrowers like: self employed, DACA, first time home buyers and others."
  • Valley View Mortgage, Inc.
  • 32829 Yucaipa Blvd, Suite C, Yucaipa, CA, 92399
  • "Valley View Mortgage, Inc. can assist you by providing you with top-notch service, no matter what kind of California mortgage loan you're looking for, or what your individual circumstances are. Obtaining a mortgage loan is one of the most significant decisions you will ever make,"
  • Express Funding Mortgage Co.
  • 1237 Camino, Suite I, Del Mar, CA, 92014
  • Express Funding Mortgage Company was founded in 1998 by Brad Shoemaker with the goal of becoming the San Diego mortgage broker of choice for local San Diegans. Express Funding Mortgage specializes in residential mortgage financing to homeowners and buyers anywhere in California. We offer some of the lowest conforming.
  • Avant Capital Solutions
  • 1011 Camino, Suite 214, Del Mar, CA, 92014
  • We will find a loan that fits each borrower. Unlike big banks that have “order takers” helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available and their loan programs are one size fits all.
  • Logan Bank & Trust Company
  • 43 Washington Avenue, Logan, WV, 25601
  • We have been locally owned and operated since 1964. We are committed to providing our customers with great service. We offer outstanding financial products for our customers such as online banking and mobile banking with mobile capture. We are conveniently located, with locations in Logan, Man, Chapmanville, Harts and the Fountain Place Mall. Our s
  • The Peoples Savings Bank
  • 10 Monument Square, Urbana, OH, 43078
  • In 1892, the Peoples Savings Bank was granted a charter by the State of Ohio to open for business in Urbana, Ohio. Realizing the importance of the Champaign County community they would serve, it was thus very logical to choose the name: The PEOPLES Savings and Loan Company. In 1993, Peoples changed from a state-chartered savings
  • Rain City Capital
  • 1020, Charlotte, NC, 28206
  • We understand the demands of the real estate market and pride ourselves on being a trusted partner with a proven track record of helping our clients succeed. With Rain City Capital, you can trust that you’ll have a financial partner who is as committed to your success as you are.
  • JMAC Funding
  • PO Box 91472, San Diego, CA, 92169
  • Our Private Hard Money loans typically take 5-10 days and are based on equity in the property, not your credit score. We do require strong collateral (the property you're borrowing against), however we can often cross-collateralize a second property of yours to meet equity requirements. Our loans are for business purposes only