Texas USDA Loans
Buy a home in eligible rural and suburban areas of Texas with $0 down if you qualify.
Standard Income Limit
Select High-Cost 5+ Limit
No Down Payment
USDA Home Loans in Texas
USDA loans in Texas allow eligible homebuyers to purchase a home with no down payment in approved rural and suburban areas.
USDA loans are widely used in areas outside major metro centers like Dallas, Houston, Austin, and San Antonio, where many suburban and rural communities may qualify for USDA financing.
Most areas of Texas follow the standard USDA income limit of $119,850 for a 1–4 person household, while select metro and higher-cost counties allow higher limits.
Texas USDA Eligibility Map
As the map shows, a large portion of Texas includes areas that may qualify for USDA financing.
Check a property address
How the Texas USDA Loan Process Works
A simple path to homeownership with $0 down financing.
Check Your Eligibility
Answer a few quick questions to see if USDA financing may be a fit.
Review Income Limits
We compare your total household income to Texas USDA limits.
Confirm Property Area
We help verify whether the home is in a USDA-approved location.
Texas USDA Income Limits
Most areas of Texas follow the standard USDA income limit. Select metro and higher-cost counties have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Texas Limit — Most Counties & MSAs | $122,800 | $162,100 |
| Amarillo, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Oldham County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Aransas County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Corpus Christi, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Dallas, TX HUD Metro FMR Area | $139,300 | $183,900 |
| Fort Worth-Arlington, TX HUD Metro FMR Area | $126,850 | $167,450 |
| Wise County, TX HUD Metro FMR Area | $129,150 | $170,500 |
| El Paso, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Hudspeth County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Austin County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Brazoria County, TX HUD Metro FMR Area | $144,900 | $191,300 |
| Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area | $122,800 | $162,100 |
| San Jacinto County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Killeen-Temple, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Lampasas County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Harrison County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Longview, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Rusk County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Cochran County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Garza County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Hockley County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Lubbock, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Lynn County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Martin County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Midland, TX HUD Metro FMR Area | $126,950 | $167,600 |
| Atascosa County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Kendall County, TX HUD Metro FMR Area | $153,550 | $202,700 |
| Medina County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| San Antonio-New Braunfels, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Texarkana, TX-Texarkana, AR HUD Metro FMR Area | $122,800 | $162,100 |
| Bosque County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Falls County, TX HUD Metro FMR Area | $122,800 | $162,100 |
| Waco, TX HUD Metro FMR Area | $122,800 | $162,100 |
Texas USDA Loan Features
Flexible financing designed to make homeownership more affordable.
Buy With $0 Down
Eligible buyers may be able to finance 100% of the purchase price.
Flexible Credit Guidelines
Credit options may be available for buyers who meet USDA and lender requirements.
30-Year Fixed Terms
USDA loans offer predictable monthly payments with fixed-rate financing.
No TX Maximum Loan Amount
USDA does not set one universal maximum loan amount for Texas.
Closing Costs May Be Rolled In
Closing costs may be included when the appraised value supports it.
Check Your Texas USDA Eligibility
USDA loans are available throughout eligible rural and suburban areas across Texas. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-approved location
- Provide a fast payment estimate and next steps
Texas USDA Loan Questions
Helpful answers before you start your USDA loan review.
What are USDA income limits in Texas?
Most Texas areas follow the standard USDA limits of $119,850 for a 1–4 person household and $158,250 for a 5+ person household, with higher limits in select metro and higher-cost areas.
What areas qualify for USDA loans in Texas?
Many rural and suburban communities across Texas may qualify, especially areas outside major metro centers like Dallas, Houston, Austin, and San Antonio.
Do USDA loans require a down payment in Texas?
No. USDA loans offer 100% financing for eligible buyers and eligible properties.
Are USDA income limits based only on my income?
No. USDA considers total household income from all adult household members, not just the borrower.
Ready to See If You Qualify for a Texas USDA Loan?
Start your Texas USDA home loan review today. A USDA loan specialist will contact you with your options.
