USDA and FHA Pro and Con in Helotes, Bexar County, TX
In 2026, 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.
2026 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.
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.
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
7915 W Loop 1604 N, Suite 111, San Antonio, TX, 78254
Lends in Texas
In 2016, SACU became Credit Human. Our new name reflects the San Antonio values that have guided us since we started here in 1935—a belief in others, giving credit to the dreams of our members, and being more human by treating each other with the respect that all of us deserve. This new name extends that belief to every member we serve
15900 La Cantera, Suite 26235, San Antonio, TX, 78256
Lends in Texas
Expedient Mortgage is the trusted, local APM division that caters to the specific needs of your community. Like APM, Expedient Mortgage’s mission is to create experiences that matter while serving your home financing needs.Whether you are buying your first home, a new investment property or building your dream home.
15900 La Cantera Parkway, Suite 26225, San Antonio, TX, 78256
Lends in Texas
"Our experienced loan officers will find the best mortgage options and loan programs tailored to your needs. Our bilingual staff will answer any questions you have before, during and after the home buying process to keep you informed every step of the way.
Located in San Antonio, Texas, The La Cantera at Directions Home Loan team works"
From our start as the credit union for employees of the United Services Automobile Association (USAA) to now, United Texas Credit Union has been a member-owned, not-for-profit financial cooperative with the mission of improving the financial well-being of our members and the communities we serve.
Synergy Federal Credit Union is dedicated to building lifelong relationships with members while providing excellent personalized service and quality financial products. To be a growth credit union offering competitive products and services through state of the art delivery outlets while maintaining a sound financial position.
4630 N Loop 1604 W, Suite 101, San Antonio, TX, 78249
Lends in Texas
H-E-B Federal Credit Union has been open since 1963. The credit union has assets totaling $221.76 Million and provides banking services to more than 14, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves finance, insurance, real estate.
Security Service Federal Credit Union offers competitive, affordable financial products and services designed to meet the needs of its members. Security Service is an industry-leading financial institution with locations in Texas, Colorado and Utah. The credit union is among the top credit unions in the nation.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
