USDA Vs. FHA your options comparison in Zapata, Zapata County, TX
In 2026, the USDA loan limit for Zapata, located within Zapata county, TX, stands at $336,500. The FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to check today's leading USDA versus FHA rates. Find out the necessary income, credit score, reserves, and required documents to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, enabling you to decide which program in aligns best with your financial needs.
2026 Loan Limits and Down Payment Requirements in Zapata, Zapata County, 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 Zapata, TX
The aim of Lendersa® is to quickly and conveniently help you secure the best possible USDA or FHA loan. You can select from three starting points, each leading to matched lenders and USDA loan programs.
The USDA home loan is backed by the government's Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage. It is only accessible in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage loan does not demand any down payment, making it an attractive option for qualifying applicants.
Zapata National Bank is the institution with the longest servitude to the South Texas community of Zapata County. As the oldest bank in Zapata, we have strong deep roots committed to the community and its prosperity. Since its foundation in 1961, we have strived to assist the citizens of Zapata by offering competitive products and services
Here at The First National Bank of Hebbronville, we provide you with the best banking possible. Please come by our location and meet a group of people that will strive to perfect all your banking needs. In addition, you may bank with us 24 hours a day through our Internet Banking or our AudioTel telephone system.
1322 E San Benito Street, Rio Grande City, TX, 78582
Lends in Texas
The Starr County Teachers Federal Credit union was founded in 1968 by a group of educators. The purpose of organizing a credit union was to provide school district employees with a financial institution of their own. This institution could offer them better rates on loans and a better return on their deposits.
Laredo Federal Credit Union’s mission is guided by moral and ethical principles of honesty and responsibility to provide its members efficient, courteous, caring and professional financial services.
On May 10, 1956, a group of teachers held a meeting to organize a federal credit union, Laredo Teachers Federal Credit Union.
Texas Community Bank is a locally owned and operated, community-oriented financial institution with its heart and roots embedded along the South Texas-Mexico border. TCB is a wholly owned subsidiary of Vision Bancshares, Inc, a one-bank holding company that was founded in 2003 by Laredo banker, Douglas G. Macdonald and a group of local investors.
The South Texas Regional Federal Credit Union is a non-profit organization solely owned by its members. It is governed and insured by the National Credit Union Administration.
We have been serving the Laredo and surrounding areas for more than 66 years. We strive to provide our members with services to meet their everyday needs.
We are a direct lender with low interest rates and great programs. We ONLY do mortgages. It is our specialty. Get us working for you. We are mortgage professionals. with 11 yrs of experience. Zeferino Perez is the CEO at Bravo Mortgage LLC. Zeferino help loan officers focus on what they do best; assist clients and close the sale.
Falcon’s current owners acquired the bank in 1995, the staff consisted of only 20 employees and $52 million in assets. Today, with the benefit of steady leadership, talented employees and a loyal clientele, Falcon is celebrating its 35th year anniversary and is the 75th largest bank in Texas and is proud to have over 350 dedicated bankers on its te
GEO Mortgage Services, Inc., we are committed to helping you find the right mortgage loan that fits your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. With many satisfied customers, our staff works to provide you with the lowest rates and the best service in the area.
