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Texas USDA Loans

My state-specific information

Eligibility Requirements – Texas

100% Financing USDA loan with a monthly insurance rate of .3% compared to the expensive 1.35% for FHA

The average household income limits for a USDA home loan in Texas is $110,650. The household limits also vary according to how many occupants in the home. With 5 or more occupants the limit can be as high as $177,350. To search the USDA home loan income limits per counties for the state of Texas, check out the USDA eligibility screen.

As you can see from the eligible area map below the majority of Texas qualifies for USDA financing.

USDA home loan income limits per counties for the state of Texas:

USDA Home Loan Income Limits Texas

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Texas.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Texas USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Texas

USDA Home Loan Features

No money down

For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!

Great interest rates

USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

Need a 620 credit score

USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.

Affordable 30 year terms

USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.

Roll in your closing costs

A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.

Apply today

Start your USDA Loan now! It only takes 30 seconds to see if you qualify.