2025 FHA Loan Limits in Bexar County: What Homebuyers Need to Know

If you’re thinking about buying a home in Bexar County, Texas—home to San Antonio and vibrant neighborhoods like Alamo Heights and Stone Oak—understanding FHA loan limits is a crucial first step. Let’s break down what these limits mean for single-family homebuyers in 2025, and how they can shape your home search.

What Are FHA Loan Limits?

FHA loan limits are the maximum amounts you can borrow using a Federal Housing Administration (FHA) loan. These limits are set each year by the U.S. Department of Housing and Urban Development (HUD) and vary by county, reflecting local real estate prices. If the price of your dream home exceeds the limit, you’ll need to look at other financing options or be prepared for a larger down payment.

2025 FHA Loan Limit for Bexar County

For 2025, the FHA loan limit for a single-family home in Bexar County is expected to be $498,257. This means you can purchase a home for up to this amount with as little as 3.5% down, provided you meet the other FHA requirements. (Always double-check with your lender, as limits can be updated or adjusted.)

Why Do These Limits Matter?

• Affordability: FHA loans are designed to help buyers with modest savings or lower credit scores become homeowners. The loan limit sets a ceiling on the price range you can consider with this type of financing.
• Market Fit: In Bexar County, the 2025 limit covers a wide variety of homes, from charming starter houses to new builds in popular suburbs.
• Down Payment: With FHA, you can put down as little as 3.5%, making homeownership more accessible—even if you don’t have a huge nest egg.

Tips for FHA Buyers in Bexar County

• Work with a local real estate agent who understands the nuances of the FHA process and the Bexar County market.
• Get pre-approved early so you know exactly what you can afford within the FHA limit.
• Factor in other costs, like insurance and property taxes, when budgeting for your new home.
• Don’t forget about home condition—FHA loans require the property to meet certain standards.

Whether you’re a first-time buyer or just looking for a fresh start in San Antonio, knowing the FHA loan limits can help you shop smarter and move with confidence in 2025.

Search here for your County/City/State: FHA Loan Limits in the United States