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

In 2026, the USDA loan limit for Kirby in Bexar, TX, is $359,700. Meanwhile, the FHA cap for a single-family home is $524,400.

Utilize Lendersa® USDA loan calculator to see today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, explore USDA, FHA, Conforming, and VA options side by side, aiding in selecting the most suitable program in for your financial needs.

Examine loan offers from 100 lenders

2026 Loan Limits and Down Payment Criteria in Kirby, Bexar County, TX

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

Choices for USDA and FHA Loans in Kirby, TX

The aim of Lendersa® is to help you obtain the best USDA or FHA loan quickly and effortlessly. Choose from one of three starting points to connect with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan, guaranteed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is solely for rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.

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



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