USDA Vs. FHA Pro and Con comparison in Pearsall, Frio County, TX

As of 2025, 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 .

Examine loan offers from 100 lenders

2025 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.

Lendersa USDA loan request and matching results

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?



  • Hansen Loans Inc.
  • 1644 Linwood Street, San Diego, CA, 92103
  • At Hansen Loans Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Mortgage and Realty Professionals
  • 4024 Ibis Street, Suite B, San Diego, CA, 92103
  • Mortgage & Realty Professionals (MRP) is a wholesale mortgage brokerage with established relationships with over 30 large and medium sized banks to ensure competitive rates, creative products, and fulfill the needs of all our clients. It has the flexibility of a broker along with the systems of banks to optimize
  • XO Mortgage
  • 2720 5th Ave, Suite J, San Diego, CA, 92103
  • We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes. We take pride in treating our clients with honesty and integrity.
  • College and University Credit Union
  • 1901 West Carroll Avenue, Suite 200, Chicago, IL, 60612
  • The College and University Credit Union was established in 1967 as a service to its members. The credit union is there to help you with any financial problem that may arise. Whether it's a debt consolidation, an unexpected bill or small home remodeling project, we are here with a quick and easy loan.
  • Chicago National Finance
  • 2000 W. Grand Ave, Chicago, IL, 60612
  • Chicago National financial backgrounds and over 40 years of combined experience, our ownership team secures you the lending programs that best fit your financial goals. With our excellent lending institutions and Tier 1 status we are able to balance the best custom tailored one-on-one service with some of the best rates in the industry.
  • Rossi Mortgage
  • 8818 Calle Perico, San Diego, CA, 92129
  • 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 Store Co
  • 1311 S Princeton Ave, Arlington Heights, IL, 60005
  • The Mortgage Store Co., where we specialize in residential mortgages. At The Mortgage Store Co., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • HomeSmart International, LLC
  • 3030 Salt Creek Ln, Suite 145, Arlington Heights, IL, 60005
  • In 2000 HomeSmart announced its Grand Opening with only two Agents. A reputation for advanced technologies soon followed. As a result, HomeSmart rapidly developed into the #1 Real Estate brokerage in size and sales volume in the Phoenix, Arizona area. With a commitment to its Agents and Clients, HomeSmart grew to over 8, 000 agents worldwide.