Conventional
As little as 3% down for some first-time buyers, 5% for most. Private mortgage insurance (PMI) applies under 20% down and can be removed later. 2026 limit: $832,750 in Bexar County.
San Antonio Mortgage Calculator: Every Loan Type.
Estimate your monthly payment and cash to close for conventional, FHA, VA, USDA, down payment assistance and jumbo loans, using 2026 San Antonio loan limits, Bexar County property taxes and current mortgage insurance rules.
2026 Loan Guide
Which Loan Fits Your Move?
The rules behind the calculator, for homes in San Antonio and Bexar County. Updated November 2026.
FHA
3.5% down with a 580+ score. Upfront MIP of 1.75% (financed) plus an annual premium, typically 0.55%. 2026 Bexar County limit: $541,287.
VA
$0 down, no monthly mortgage insurance, and no VA loan limit with full entitlement. One-time funding fee of 1.25%–3.3%, waived for veterans receiving VA disability compensation.
USDA
$0 down in eligible rural and some suburban areas around San Antonio, with household income limits. 1% upfront guarantee fee and 0.35% annual fee.
Down Payment Assistance
- TSAHC Home Sweet Texas
- TSAHC Homes for Texas Heroes (veterans, teachers, first responders, nurses)
- TDHCA My First Texas Home
- SETH 5-Star Texas Advantage
- City of San Antonio HIP (check current status)
Jumbo & VA Jumbo
For San Antonio luxury homes above $832,750. Conventional jumbo usually needs 10%–20% down and strong reserves. VA buyers with full entitlement may still put $0 down, subject to lender approval.
Sources: FHFA 2026 conforming loan limits · HUD 2026 FHA loan limits · VA funding fee · TSAHC homebuyer programs · USDA eligibility map · Bexar County 2026 official tax rates & exemptions. Program rules change; confirm with your lender.
Loan Questions
Mortgage Questions, Answered.
What is the 2026 conforming loan limit in San Antonio?
The 2026 conforming loan limit for a one-unit home in Bexar County is $832,750, the national baseline set by the Federal Housing Finance Agency. Conventional loans above that amount are jumbo loans, which usually need stronger credit and a larger down payment.
What is the 2026 FHA loan limit in Bexar County?
Bexar County uses the FHA national floor for 2026, $541,287 for a one-unit home. FHA requires 3.5% down with a 580+ credit score, plus an upfront mortgage insurance premium of 1.75% and an annual premium (0.55% for most loans).
How much is the VA funding fee in 2026?
For a VA purchase loan: 2.15% with less than 5% down on first use (3.3% on subsequent use), 1.5% with 5% or more down, and 1.25% with 10% or more down. Veterans receiving VA compensation for a service-connected disability, and certain others, are exempt. The fee can be financed into the loan.
Can I get a USDA loan near San Antonio?
Possibly. USDA loans offer 0% down in eligible rural and some suburban areas, with household income limits. Eligibility is set by property address on the USDA eligibility map, so many areas outside the San Antonio city core may qualify while most of the city does not. USDA charges a 1% upfront guarantee fee and a 0.35% annual fee.
How does down payment assistance (DPA) work in Texas?
Most Texas DPA programs (TSAHC Home Sweet Texas, Homes for Texas Heroes, TDHCA My First Texas Home, SETH 5-Star) provide up to about 5% of the loan amount as a grant or a 0%, deferred, forgivable second lien. They are paired with a conventional, FHA, VA or USDA first mortgage and have credit, income and homebuyer-course requirements. The rate on DPA loans is often slightly higher.
Is this calculator a loan quote?
No. It is an estimate for planning only. Your actual rate, mortgage insurance, taxes and insurance depend on your credit, the property and the lender. Jay can introduce you to lenders who close conventional, FHA, VA, USDA and DPA loans in San Antonio.