USDA VS FHA in Schertz, Guadalupe County, TX

In 2025, 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.

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2025 Loan Limits and Downpayment Requirements in Schertz, County of Guadalupe, TX

Loan Type Loan Limit Down Payment
USDA $322,900 0%
FHA $403,650 3.5%
Conventional Conforming $548,250 3%

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.

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



  • Shoreline Mortgage Inc
  • 20201 E Country Club Drive, Suite 1202, Aventura, FL, 33180
  • Shoreline Mortgage was founded in 1989 as an Internet Direct Lender, committed to using technology to provide a lower cost, more convenient mortgage to our customers. Our system eliminates commissioned loan officer, the highest cost component of the mortgage process. We further reduce costs by utilizing automated underwriting systems.
  • Loansmarter.com
  • 20200 W Dixie Hwy, Suite 1208, Miami, FL, 33180
  • At LoanSmarter.com we’re passionate about two things… Technology and Your Loan needs! We believe in empowering you with tools and modern technology to provide clear options about your home loan. We not only provide you with more options but a modern way of shopping and servicing your loan needs online.
  • Harmoney Capital
  • 20900 NE 30th Ave Suite 200-09, Miami, FL, 33180
  • Harmoney Capital LLC. was founded in Miami, Florida with the intention of helping borrowers finance their real estate needs. As a 100% self funded, family-owned and operated lending company, Harmoney Capital is able to practice innovative alternatives to traditional real estate financing. With no credit approval or income verification required.
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  • New Century Financial Mortgage Founded in 2020 with a mission to provide new age home financing solutions for people craving a thoughtful, personalized approach, New Century Financial Mortgage first entered the scene in Aventura, Florida. Since its inception, it has since grown to become one of Florida’s premier mortgage brokerages.
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  • 20200 West Dixie Highway, 1104, Miami, FL, 33180
  • Nations Trust Mortgage is a mission-driven organization with a clearly defined set of values. We encourage our employees to have a strong sense of purpose, a high level of self-esteem and the capacity to think clearly and logically to provide the best possible rates on the right product, at very instant to our borrowers.
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  • 300 Northwest 12th Avenue, Miami, FL, 33128
  • Established in 1978, NHSSF is a 501(c)(3) chartered member of the NeighborWorks® network. We are amongst a nationwide network of 245 trained and certified community development organizations at work in more than 4, 400 communities across America. NHSSF provides a full spectrum of homeownership services in English
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  • Miami Federal Credit Union has been serving Federal, State, Municipal, Dade County, City of Miami government employees and their family members in Miami -Dade, Broward, Monroe, and Palm Beach Counties since 1954. With a high rating from the NCUA, the credit unions’ regulatory agency.