USDA Vs. FHA your options comparison in Socorro, El Paso County, TX

In 2026, the USDA loan cap in Socorro, within the county of El Paso, TX, is $336,500. For comparison, the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today’s optimal USDA against FHA rates, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA programs side by side to decide which is best for your unique financial situation in .

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2026 Loan Limits and Downpayment Requirements in Socorro, County of El Paso, TX

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

Exploring USDA and FHA Loan Options in Socorro, TX

The aim of Lendersa® is to efficiently get you the best possible USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and explore USDA loan offerings.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in TX?

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires none.

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



  • The Mortgage Company Inc
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    The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.

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  • Parker Lending company Arthur "Chip" Parker is the owner of the company he here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy When you're ready, the next step in getting a low rate mortgage.