620+
Minimum credit score accepted by many lenders
Texas USDA Loan Specialists
Buy in Eligible Texas Areas with 0% Down
We help first-time and repeat buyers use USDA-backed mortgage financing with competitive rates, flexible credit options, and local guidance from preapproval to closing.
- No down payment required
- Seller-paid closing costs possible
- Low monthly mortgage insurance
100%
USDA financing available for eligible borrowers
41%
Typical max debt-to-income ratio with compensating factors
30-Year
Fixed-rate terms commonly used for payment stability
Market Snapshot
Sample Texas USDA Mortgage Rates
These example rates are for educational use only. Your final rate depends on credit profile, debt-to-income ratio, property eligibility, and market conditions at lock.
| Program | Rate | APR | Estimated Payment* | Points |
|---|---|---|---|---|
| USDA 30-Year Fixed | 6.25% | 6.58% | $1,539/mo | 0.75 |
| USDA 30-Year Fixed (No Points) | 6.50% | 6.74% | $1,580/mo | 0.00 |
| Conventional 30-Year Fixed | 6.62% | 6.79% | $1,701/mo | 0.25 |
*Payment example excludes taxes, insurance, and HOA dues. Rates shown are not a commitment to lend.
How It Works
From USDA Eligibility Check to Closing Day
Confirm Area & Income Eligibility
We verify property location and household income against current USDA guidelines.
Get Preapproved
Submit documents and receive a preapproval letter you can use when making offers.
Lock Rate & Underwrite
Once under contract, we lock your rate and finalize the file through underwriting.
Close & Move In
Sign final docs, fund the loan, and move into your new home with zero down payment.
Common Questions
Texas USDA Loan FAQ
What is a USDA home loan in Texas?
A USDA loan is a government-backed mortgage for eligible suburban and rural areas. It can allow up to 100% financing with lower monthly mortgage insurance costs compared with some alternatives.
Can I use a USDA loan if I am a first-time buyer?
Yes. You do not need to be a first-time buyer, but the home must be your primary residence and you must meet USDA income and location requirements.
What credit score do I need?
Many lenders look for a 620+ score for streamlined approval, though approvals can vary based on your full file, reserves, and compensating factors.
Are all homes in Texas eligible?
No. The property must be in a USDA-eligible map area. We can quickly check any address during your prequalification.
What are current USDA income limits in Texas?
Limits vary by county and household size. We verify your qualifying household income against the latest USDA tables before moving your file into full preapproval.
Can closing costs be covered with USDA financing?
Depending on structure and appraisal, eligible borrowers may use a combination of seller concessions, lender credits, and financing strategy to reduce out-of-pocket closing costs.
Is mortgage insurance required on USDA loans?
USDA loans use an upfront guarantee fee and an annual fee paid monthly. It is different from conventional PMI but still part of total monthly housing cost.
How long does USDA underwriting take in Texas?
Timelines depend on file readiness, appraisal turn times, and USDA queue conditions. Most clean files progress faster when documents are uploaded early and conditions are cleared quickly.
USDA Property Check
USDA Eligibility Map and Address Lookup
Enter a property address to check whether it falls inside USDA ineligible boundaries for single-family housing based on USDA Rural Development GIS services.
Use + / - to zoom. Click and drag the map to move around.
Speak With a Loan Advisor
Ready to See If You Qualify?
Request a no-pressure consultation to review eligibility, estimated payment, and next steps for your home purchase in Texas.