- Down payment
- 0%
- Location
- USDA-eligible areas only
- Income
- Household income limits apply
- Property use
- Primary residence
What it is
USDA loans are backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas. A large share of Texas qualifies, including towns just outside the major metros.
How it works with a broker
Two things decide USDA eligibility: the address and your household income. I check both before you start house hunting so you know which areas to search.
USDA loans go through an extra approval step with the agency, so I build that time into your contract dates from the start.
Common questions
Does the home have to be on a farm?
No. Most USDA loans are for ordinary houses in ordinary neighborhoods that happen to sit outside city population limits.
Is there mortgage insurance?
USDA charges an upfront guarantee fee and a small annual fee. Both are typically lower than FHA mortgage insurance.
Figures shown are typical guidelines and can vary by lender, credit profile and property. They are not an offer or commitment to lend.
Find out what you qualify for.
Answer a few questions and I will come back with real options, usually the same day. It takes about two minutes and does not affect your credit.