USDA VS FHA in Mercedes, Hidalgo County, TX

In 2025, the USDA loan limit for Mercedes in Hidalgo County, TX, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize Lendersa®'s USDA loan calculator to compare today's leading USDA and FHA rates. Identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side to help you determine the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Mercedes, Hidalgo, TX

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Mercedes, TX

The mission of Lendersa® is to secure you the best USDA or FHA loan swiftly and effortlessly. Select one of three starting choices to find matching lenders and suitable USDA loan programs.

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About USDA Loans in TX

A USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. It distinguishes itself from FHA loans, which require a minimum down payment of 3.5%, as USDA loans necessitate no down payment.

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



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