USDA Vs. FHA your options comparison in San-Juan, Hidalgo County, TX
In 2026, within San-Juan, Hidalgo county, TX, the USDA loan limit is set at $285,000. In comparison, the FHA cap for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today’s leading USDA versus FHA rates. This will help you determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program in for your financial scenario.
2026 Loan Limits and Downpayment Requirements in San-Juan, County of Hidalgo, TX
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in San-Juan, TX
The goal at Lendersa® is to help you effortlessly obtain the best USDA or FHA loan. Choose one of three starting points to connect with lenders and explore USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment whatsoever.
In 1956 P-SJ-A Federal Credit Union was formed to provide a savings and loan program to employees of the Pharr-San Juan-Alamo Independent School District. In 1994 we changed our name to NAFT (Neighbors and Families Together) Federal Credit Union and opened our field of membership to better serve low-income designated areas.
At Highway District 21 Federal Credit Union, we are committed to providing you with the highest-quality financial services possible. It is our goal to encourage thriftiness, impose the value of savings, and spread the wise use of credit among our qualifying members. Whether you apply for a vehicle loan, our credit union is here to serve you.
Holiday Finance Corporation (HFC) offers personal loans of up to $1340 Receive immediate attention when you apply online for an installment loan from Holiday Finance Corporation in South Texas. We offer unsecured personal loans—a lending alternative that’s easy and convenient for borrowers.
La Cross Mortgage, LLC is a fast-growing mortgage company serving the Rio Grande Valley. Located in McAllen, we strive to provide fast and excellent service to home buyers throughout the South Texas region. Our team is dedicated to helping prospective buyers start better lives in better homes with the help of a better mortgage.
Cayetano is a privately held real estate company focused on the development of affordable single-family communities. It is Headquartered in Austin, Texas. Cayetano has been involved in the real estate development, mortgage origination and mortgage servicing business in Texas for over 30 years.
Vantage Bank Texas is a community bank focused on meeting the financial needs of small-to-medium sized businesses. We specialize in business lending along with business cash management services Our Vision is to build a financial services company that will be relevant, competitive, profitable, and visionary.
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.
Path Finder Mortgage Solutions gets you the perfect loan that will fit your budget & lifestyle. With personal attention, we work closely with you to provide you with the mortgage solutions that you deserve. A trustworthy source and reputable mortgage company, Path Finder Mortgage Solutions is headed by Hilda Cardoza and her team of dedicated Team.
4900 West Expressway 83, Suite 208, McAllen, TX, 78501
Lends in Texas
Pacific Capital Mortgage, Inc., offers a comprehensive suite of Fix&Flip, Rental, and Multifamily products. Our leverage, competitive rates, transparency, and top-notch customer service sets us apart from the pack. We are here to help you fund and succeed in your Real Estate Investment Business.
