USDA and FHA Pro and Con in Pharr, Hidalgo County, TX

In the year 2025, the USDA loan limit for Pharr, county of Hidalgo, TX, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates today, determining the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to select the best program for your financial situation in .

Examine loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Pharr, County of Hidalgo, TX

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

USDA and FHA Loan Options in Pharr, TX

The aim of Lendersa® is to provide you with the best USDA or FHA loan swiftly and without hassle. Select one of three routes connecting you to relevant lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is guaranteed by the Department of Agriculture, commonly called a USDA rural development loan, and is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Dalton Mortgage Group
  • 5120 Gaillardia Corporate Place, Oklahoma City, OK, 73142
  • Dalton Mortgage Group for your mortgage needs! At DMG we use the most up to date technology and security measures to insure that your applications taken through this web site are easy to understand and encrypted at the highest level. We pride ourselves on offering the highest in customer service.
  • Gulf Trust Federal Credit Union
  • 2533 Denny Avenue, Pascagoula, MS, 39567
  • In early 1972 a group of employees of the Singing River Hospital and the Ocean Springs Hospital gathered to discuss forming a credit union for the purpose of providing economical savings and loans to fellow co-workers and families. The State of Mississippi granted them a charter and the J C Hospital System Employees Credit Union was born.
  • Bank of Yazoo City
  • 104 North Main Street, Yazoo City, MS, 39194
  • Bank of Yazoo is proud to be Mississippi’s second oldest bank. We have been meeting the financial needs of our communities and customers for over 140 years, and we currently serve our customers and communities in Yazoo, Madison, and Rankin Counties in Mississippi with five convenient locations and one location currently under reconstruction.
  • Community Bank
  • 1255 W Government St, Brandon, MS, 39042
  • One of the South’s fastest-growing financial institutions did not originate in a large, metropolitan area or grow with the usual Bank business plan. Community Bank started more than 115 years ago in a small timber community in east central Mississippi and has grown by employing a unique approach to one of America’s most routine industries.
  • Kirkpatrick Bank
  • 15 East 15th Street, Edmond, OK, 73013
  • Kirkpatrick Bank is a business bank serving Oklahoma and Colorado with branches in Edmond, Oklahoma City, Colorado Springs, Denver, and Westcliffe. Kirkpatrick Bank also offers private banking, wealth services, home loans and an exclusively online product, Savings Square, which has attracted customers in all 50 states.
  • VALOR BANK
  • 1501 Renaissance Boulevard, Edmond, OK, 73013
  • Valor Bank is focused on serving the community through real estate and business lending, deposit offerings, and joyfully giving 10% of our profits to non-profits making a positive difference. Valor is faithfulness to our commitments, valuing people, and courage to follow God's will.
  • House and Home Mortgage LLC
  • 2601 Kelley Pointe Pkwy, Suite 203, Edmond, OK, 73013
  • We're committed to easing your concerns and addressing all of your mortgage needs. We provide personalized guidance and direction regarding a variety of financing options, empowering you with the knowledge and resources you need. Get in touch today to start making smarter choices regarding mortgages.
  • Executive Lending Group
  • 3628 E I 35 Frontage Rd, Edmond, OK, 73013
  • Executive Lending are a local Home Loan Lender with a store front location on I35 in Edmond. You can walk into our office anytime during business hours and anytime evenings / weekends with an appointment. You can call / text us on our cell or call the office with an energetic, kind & helpful staff.
  • Adfitech Inc
  • 3001 Technology Dr, Edmond, OK, 73013
  • Since 1983, Adfitech has provided outsource services to the mortgage industry. We have a proven reputation in quality control, due diligence, post closing fulfillment, and servicing oversight. We are diligent in keeping abreast of the ever changing Investor, Federal, State, and CFPB compliance laws and regulations.
  • American Mortgage Source
  • 2400 Lytal Lane, Edmond, OK, 73013
  • At American Mortgage Source, 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. American Mortgage Source, where we specialize in residential mortgages.