USDA VS FHA in Pearsall, Frio County, TX

As of 2026, the USDA loan limit in Pearsall, Frio, TX is $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates, identifying the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Pearsall, Frio, TX

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

Discover USDA and FHA Loan Options in Pearsall, TX

Lendersa® is dedicated to securing the best USDA or FHA loan quickly and hassle-free. Initiate one of three pathways to find matching lenders and programs.

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Understanding the USDA Loan in TX

A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and targeted for rural areas only. Unlike FHA loans requiring a minimum of 3.5% down, USDA loans require no down payment.

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



Pearsall Lenders

  • TXN Bank
  • 1502 Avenue M, Hondo, TX, 78861
  • Lends in Texas
  • Our mission is to provide the highest quality banking and financial services to our customers and communities we serve while enhancing value for our shareholders. TXN Bank is the culmination of hard work from our employees and extraordinary vision from our board and shareholders. We plan to continue the legacy of community banking.

  • Castroville State Bank
  • 502 Paris Street, Castroville, TX, 78009
  • Lends in Texas
  • Castroville State Bank was originally founded by a group of local citizens who recognized the need for a banking facility in Castroville. After traveling to Austin to meet with officials of the Texas Banking Commission, the delegation received approval to begin state banking operations on January 14, 1959.

  • Air Force Federal Credit Union
  • 1560 Cable Ranch Road, Suite 200, San Antonio, TX, 78245
  • Lends in Texas
  • AFFCU (Air Force Federal Credit Union) is a full-service financial organization based in San Antonio, Texas. We offer banking products including savings, checking, money market accounts, certificate accounts, and more. We also provide auto loans, personal loans, mortgage loans, home equity loans, Visa credit cards, and more.

  • Southwest Research Center Federal Credit Union
  • 7215 Culebra Road, San Antonio, TX, 78251
  • Lends in Texas
  • At Southwest Research Center Federal Credit Union, members come first. We promise to offer honest, fair deals to every member, every time. We promise to treat every member with both respect and dignity. We promise to strive to be a trusted financial advisor that our members can count on to assist them with achieving their financial dreams.

  • LiftFund Laredo
  • 2007 W. Martin Street, San Antonio, TX, 78207
  • Lends in Texas
  • LiftFund is a small business lender supporting new and existing entrepreneurs grow their businesses no matter their life circumstances. We believe hard-working entrepreneurs deserve an opportunity to succeed. Since 1994 we've provided affordable business loans and support to thousands of small businesses.

  • Alamo Loan Co
  • 534 Bandera Rd, San Antonio, TX, 78228
  • Lends in Texas
  • Alamo Loan Company is committed to providing you with the convenient financial options that you need to reach your goals. We treat every customer like family and we are passionate about excellent customer service. Reach out to us for an easy and affordable personal loan or title loan.

  • Smart Rate Mortgage Brokers LLC
  • 227 North Loop 1604 East, Suite 150, San Antonio, TX, 78228
  • Lends in Texas
  • I am an experienced mortgage veteran with over 17 years of experience in the mortgage business. I have helped thousands of families buy their first, second and third homes. . I am extremely well versed in FHA, Conventional, VA and Jumbo Loans. With a background in Education and Finance from Southwest Texas State University

  • Town Square Financial
  • 8552 Murray Grey, San Antonio, TX, 78254
  • Lends in Texas
  • 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

  • Credit Human Federal Credit Union
  • 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