USDA Vs. FHA Pro and Con comparison in South-Alamo, Hidalgo County, TX

In 2025, the USDA loan limit for South-Alamo, within Hidalgo county, TX, is $285,000. Meanwhile, for single-family homes, the FHA limit is $356,362.

Employ the Lendersa® USDA loan calculator to compare today’s top rates for USDA against FHA loans, and determine what income, credit, reserves, and documentation are required to qualify. Our state-of-the-art mortgage calculator displays side-by-side comparisons of USDA, FHA, Conforming, and VA loans to help you decide which program in fits your unique financial situation most effectively.

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2025 Loan Limits and Downpayment Requirements in South-Alamo, 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 South-Alamo, TX

The central aim of Lendersa® is to quickly secure the best possible USDA or FHA loan for you, without unnecessary delay or hassle. Choose one of three pathways that lead to lender matches and appropriate USDA loan programs.

Visual of Lendersa USDA loan request and matching results

What is the USDA Loan in TX?

A USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively available for rural neighborhoods. While FHA loans necessitate a minimum of 3.5% down payment, the USDA mortgage requires no down payment whatsoever.

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



  • THA Mortgage
  • 28 Park Avenue West, Suite 601, Mansfield, OH, 44902
  • THA Mortgage provides a variety of loan options and knowledge to help each customer understand and select the best loan program for their needs. We are here to help clients in all phases of life meet their financial and real estate goals. Integrity, innovation, partnership and collaboration are the core values that drive THA Mortgage
  • West Pointe Bank
  • 1750 Witzel Avenue, Oshkosh, WI, 54901
  • West Pointe Bank is Oshkosh's oldest locally owned, independent, full-service bank. West Pointe opened its doors on April 22, 1996 & has been in the community for over 26 years. All together our employees have over 500 years of diversified banking experience in our community & can provide you with the highest level of personalized customer service.
  • Oshkosh Community Credit Union
  • 250 Pearl Avenue, Oshkosh, WI, 54901
  • Oshkosh Community Credit Union combines the expertise of a large financial institution with the personal decision-making and personalized service you would expect from a locally-based credit union and Oshkosh Community Credit Union offers a broad array of individual finance products and services. OCCU is a recognized leader in personal finance
  • Winnebago Community Credit Union
  • 567 E. Snell Road, Oshkosh, WI, 54901
  • Winnebago Community Credit Union is a not-for-profit financial cooperative helping with financial services, including lending, to those who live or work in Winnebago, Fond du Lac or Outagamie counties in Wisconsin. We work in the best interest of members by providing higher deposit rates, lower loan rates and less fees.
  • West Union Bank
  • 212 Main Street, West Union, WV, 26456
  • West Union Bank began doing business in 1893 at the corner of Columbia and Court Streets in West Union, Doddridge County, and continued there until 1973 when the Bank moved to its current location at 212 Main St. West Union, WV 26456. In response to the popularity of the Bank’s services outside of its home county.
  • Alameda Mortgage Corp.
  • 2775 Tapo Street, Suite 103, Simi Valley, CA, 93063
  • Our goal is to offer the best service and extremely competitive mortgage rates in minutes. Our wide selection of loan products helps us provide the perfect mortgage fit for your specific Real Estate finance needs. Our mission is to serve our customers with honesty, integrity, and competence.
  • Online Bad Credit Loans
  • 4337 Cochran St, Simi Valley, CA, 93063
  • Getting approved for a loan when you have bad credit can be challenging. That's where Online Bad Credit Loans steps in. We have years of experience in helping you get the bad credit loan you need so you can get back on the right financial track fast and without all the hassles! We aim to provide excellent and personable customer service.
  • Greenback Funding, Inc.
  • 2139 Tapo Street, Suite 115, Simi Valley, CA, 93063
  • Greenback Funding, 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.