USDA Vs. FHA your options comparison in Universal-City, Bexar County, TX

In 2025, the USDA loan limit for a single-family home in Universal-City, county of Bexar, TX, is established at $322,900. In contrast, the FHA loan limit is positioned at $403,650 for similar properties.

Utilize the Lendersa® USDA loan calculator to directly compare today's best USDA and FHA rates, helping you determine the necessary income levels, credit ratings, reserves, and documentation required to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which option best addresses your financial situation in .

Review offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Universal-City, County of Bexar, TX

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

Available USDA and FHA Loan Opportunities in Universal-City, TX

Lendersa® is dedicated to helping you secure the most advantageous USDA or FHA loan with minimal effort. Choose one of three starting points which will guide you towards matching lenders and USDA loan opportunities that fit your needs.

Depiction of Lendersa USDA loan request and matching results

Defining the USDA Loan in TX

A USDA home loan is endorsed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. This financial product is exclusively available for properties located in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans eliminate that need, offering significant advantages to eligible homebuyers looking to invest in rural territories.

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



  • Correctional Workers Federal Credit Union
  • 406 Reformatory Circle, El Reno, OK, 73036
  • The mission of Correctional Workers Federal Credit Union is to provide its members with professional, competent financial services. The Credit Union is committed to providing the best possible rates and servicing of the member owners while continuing to build a strong capital base. We will work together to help our members attain financial security
  • First Bethany Bank & Trust
  • 6500 Northwest 39th Expressway, Bethany, OK, 73008
  • First Bethany Bank & Trust has been owned and managed by the same family since 1967. Our commitment to customer service with integrity, consistency, and personal attention is the driving culture of First Bethany Bank and it has been the basis of the way we’ve done business for more than a century.
  • My OK Home Loan
  • 1401 Health Center Pkwy, Yukon, OK, 73099
  • My passion is to positively impact the lives of individuals & families by providing wise mortgage advice & Godly direction to improve their financial future. All home loans, FHA, VA, Conventional, Jumbos, USDA and Section 184. Purchases or refinances and also Jolynn has the knowledge and expertise to help you
  • YNB
  • 401 Elm, Yukon, OK, 73099
  • The formation of The Yukon National Bank is closely associated with the formation of the Yukon Mill and Grain Company and the initial growth of the City of Yukon. Even though the Yukon Mill and Grain Company is no longer active, the buildings act as a reminder of where we’ve been and how we got there. Today, YNB boasts five locations
  • First American Mortgage, Inc
  • 1501 S. Ranchwood Blvd, Yukon, OK, 73099
  • First American Mortgage, Inc. is locally owned & operated. Everything is done onsite from loan application/ underwriting to close! We are located at 1501 S. Ranchwood Blvd, Yukon, Ok I understand that buying a home is the single biggest financial event in most people's lives and take great pride in being able to offer superior personal service.
  • NexGen Home Loans Inc
  • 6009 N Meridian Pl, Oklahoma City, OK, 73122
  • NexGen Home Loans was created simply to bring something different to the mortgage industry. Mortgage customers for years have had to choose between low rates through an online digital platform with a lack of customer service or a local loan officer that can provide great service but at a higher cost.
  • Allegiance Credit Union
  • 4235 N Meridian, Oklahoma City, OK, 73112
  • We’re proud to be a credit union that’s served Oklahoma City since 1963. As a not-for-profit, member-owned financial institution, Allegiance Credit Union is committed to the betterment of our members and our communities. Since moving to a community charter in 2002, we can now serve a diverse member base that spans the six counties
  • America United Mortgage
  • 3030 Northwest Expressway, Suite 200, Oklahoma City, OK, 73112
  • The experts at America United Mortgage specialize in tailoring a specific mortgage for your family's financial goals offering expertise in every area of mortgage lending – from purchase to refinance to construction lending. Our expertise, knowledge and outstanding customer service distinguishes us among other lenders.