As of 2026, 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.
2026 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.
La Joya Area Federal Credit Union has been open since 1961. The credit union has assets totaling $68.95 Million and provides banking services to more than 15, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a membe
South Texas Federal Credit Union is a full service Financial institution established in 1952 in McAllen, TX. STFCU offers checking and savings, as well as CDs and IRAs, accounts to any resident of the Hidalgo County, but with 55, 000 ATMs nationwide for the convenience of our members.
Lone Star National Bank is a full-service independent community bank with many locations across South Texas, founded on January 23, 1983. Lone Star National Bank is a technologically advanced, full-service, independent, community bank with over 700 employees and many locations across South Texas.
Mr. Mortgage, LLC was born, to provide clients & business partners with the highest level of personalized service, expertise & competitive home loan programs in the market today. We are a full-service residential mortgage broker providing Home Loans across the state of Texas. We pride ourselves on making the loan process simple & straightforward.
2511 Buddy Owens Blvd, Suite A, McAllen, TX, 78504
Lends in Texas
Global Fox Financial is a private commercial real estate lender and structured finance company that offers financing to borrowers directly and through a network of finance professionals. Global Fox Financial is additionally a partner of Rio Grande Capital LLC, our account receivable brokerage. We feature a variety of commercial loan programs.
Joe Cuellar, Branch Manager for Castle & Cooke Mortgage in McAllen, Texas, truly knows the ins-and-outs of the mortgage business! Whether clients are seeking alternative ways of generating income through investing in real estate or are simply looking for a home mortgage, Joe is the guy to see. With more than 30 years in the financial
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.
Mortgage Pros is a mortgage provider, supported by Directions Equity LLC, and based in McAllen TX. We provide residential financing for the purchase or refinancing of residential real estate.We’re a group of highly experienced mortgage professionals. Every team member has extensive mortgage experience and expertise.
Rio Bank opened its doors for business in February of 1985. It began as a retail oriented bank primarily catering to consumers for both deposit and loan business. In 1995, the bank opened its second banking center in North McAllen. The original ownership and management has changed since that time as well as the focus and direction of the bank.
