FHA Vs. USDA loan program for Schertz, Guadalupe County, Texas

In 2026, the USDA loan limit in Schertz, located in the county of Guadalupe, TX, is $322,900. Conversely, the FHA cap for a single-family home is $403,650.

Utilize the Lendersa® USDA loan calculator to evaluate and compare today's prime USDA and FHA rates. Assess the income, credit, reserves, and documents necessary for eligibility. Our comprehensive mortgage calculator offers a side-by-side analysis of USDA, FHA, Conforming, and VA options, guiding your choice for the best program in to fit your financial needs.

USDA and FHA Loan Options in Schertz, TX

Lendersa® aims to help you secure the best USDA or FHA loan quickly and easily. Choose from three starting points to connect with lenders and explore USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TX

A USDA home loan is backed by the U.S. Department of Agriculture, also termed a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, a USDA mortgage does not require any down payment at all.

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(800) 556-6768 Lender's profile and map Reviews First U.S. Community Credit Union 580 University Avenue, Sacramento, CA, 95826 First U.S. has been making a difference in the financial lives of our members with affordable loans, generous savings programs and friendly, personal service full line of savings options, loan solutions and decades of home financing experience, First U.S. has the products and services you need to achieve your goals.
(916) 386-1418 Lender's profile and map Reviews California Community Credit Union 8815 Folsom Blvd, Sacramento, CA, 95826 California Community Credit Union has been serving our members since 1939! As a full-service financial institution, we offer the same services as most other financial institutions with one major exception - we believe that service also includes some old-fashioned courtesy and a friendly greeting
(800) 542-2247 Lender's profile and map Reviews CAHP Credit Union 2843 Manlove Road, Sacramento, CA, 95826 CAHPCU utilizes a comprehensive fraud monitoring service that evaluates normal card use. Overseas or out-of-state purchases are generally deemed suspicious and the fraud monitoring program will try to contact the member for verification of the transactions. If the members are not available due to their travels the program may block their cards.
(877) 465-3361 Lender's profile and map Reviews Golden 1 Credit Union 8945 Cal Center Dr, Sacramento, CA, 95826 The Golden 1 Credit Union aims to be #1 in the Gold Rush State. One of the largest credit unions in California, and among the top 10 in the US, the member-owned organization serves communities in central and northern parts of the state through 80-plus branches; nearly half of which in the Sacramento area. The Golden 1 has assets in excess
(408) 416-8260 Lender's profile and map Reviews DIRECTQM, INC. 1310 Tully Road, Suite 103, San Jose, CA, 95122 We've been in business for more than 20+ years doing mortgages. Our motto: "We help clients get mortgage loans easier, cheaper and faster". We are so Professional and Stress free. Directqm, Inc. filed as a Articles of Incorporation in the State of California on Tuesday, March 13, 2018.
(408) 218-3956 Lender's profile and map Reviews Castle Home Loans 2230 Quimby Road, San Jose, CA, 95122 At Castle Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
(408) 289-8015 Lender's profile and map Reviews On Time Realty Corporation 999 Story Road, Unit 9027, San Jose, CA, 95122 On Time Realty our commitment is to serve clients of all types. We understand that our clients always come first whether you are a buyer or a seller. We specialize in real estate sales and mortgage loans for the purchase and sale of residential and commercial properties. Our services extend beyond the Bay Area, including Sacramento, etc.
(408) 289-5370 Lender's profile and map Reviews VS Financial Services, Inc. 1111 Story Road, Suite 1100, San Jose, CA, 95122 VS Realty & Loans, Inc. was formerly known as ST Real Estate and Financial Services Inc. located in the Grand Century Mall on Story Road in San Jose. In the past, ST Real Estate and Financial Services Inc. was the only real estate brokerage allowed to operate in the mall. The company was proud and was prideful in the tremendous opportunity.
(831) 479-6000 Lender's profile and map Reviews Bay Federal Credit Union. 3333 Clares St, Capitola, CA, 95010 Bay Federal Credit Union was started in 1957 when local school teachers pooled their money together to start a credit union. That investment has grown through an amazing journey of involvement into the area’s largest locally-owned financial institution, with over $1.5 billion in assets.
(831) 818-0299 Lender's profile and map Reviews Financial Solutions Home Loans Inc 830 Bay Ave, Suite G, Capitola, CA, 95010 Jeri Skipper is your premier mortgage loan officer located in Soquel, California. Jeri offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Soquel area. Whether you are first time home buyer, purchasing your dream home,
(831) 462-2496 Lender's profile and map Reviews Karma Mortgage Solutions, Inc. 830 Bay Avenue, Suite A, Capitola, CA, 95010 "At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans. From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc Equal Housing Lender (Brokerage)."
(916) 233-6513 Lender's profile and map Reviews King of Loans 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758 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.