Loan Program
USDA Loans
100% financing for eligible rural and suburban Texas homes.
Overview
USDA loans offer 100% financing in eligible rural and suburban areas across Texas — a powerful option for buyers who don't need to be in the middle of a major metro.
Who it's for
- Buyers targeting eligible suburban/rural Texas zip codes
- Households at or below area income limits
- First-time and repeat buyers alike
Benefits
- Zero down payment
- Low guarantee fee vs FHA MI
- Competitive fixed rates
- Flexible credit guidelines
Common Questions
How do I know if a property qualifies?
USDA maintains an eligibility map — we check it before you write an offer.
Is there an income limit?
Yes, based on household size and county. Many Texas suburbs still qualify.
Any monthly MI?
There's a small annual guarantee fee, typically lower than FHA MI.
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