USDA Vs. FHA your options comparison in La-Joya, Hidalgo County, TX
As of 2025, the USDA loan limit in La-Joya, county of Hidalgo, TX, is $285,000. In contrast, the FHA limit for a single-family residence is $356,362. These limits aid prospective homebuyers in understanding the maximum borrowing potential for homes within these regions.
Utilize the Lendersa® USDA loan calculator to compare today's competitive USDA versus FHA rates effectively. Understand the required income, credit score, reserves, and documents essential for qualification. With our comprehensive mortgage calculator, you can analyze USDA, FHA, Conforming, and VA loans side by side, helping facilitate your decision on which program in suits your financial situation best.
2025 Loan Limits and Downpayment Requirements in La-Joya, Hidalgo County, TX
Loan Type
Loan Limit
Down Payment Amount
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Choices in La-Joya, TX
At Lendersa®, we aim to quickly connect you with the best USDA or FHA loan, free from complications. Start by selecting one of three initial paths designed to match with lenders and suitable USDA loan programs.
The USDA home loan, also known as the USDA rural development loan, is backed by the U.S. Department of Agriculture. Exclusively available in rural areas, this loan requires no down payment, unlike FHA loans that need at least a 3.5% down payment. This makes USDA loans particularly appealing by easing the path to homeownership with reduced upfront costs.
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Griffin Funding, Inc., is a mortgage company with access to wholesale rates that originates loans throughout the states of Arizona, California, Colorado, Florida, Hawaii, Tennessee, Texas, and Washington. We specialize in VA Loans and Self-Employed Jumbo Loans. Call us today for a free consultation 855-595-6195
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