USDA Vs. FHA Pro and Con comparison in Schertz, Guadalupe County, TX

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.

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2026 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?



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