USDA Loans — Zero Down in Rural Texas

USDA Rural Development loans offer 100% financing with no down payment for eligible properties in rural and suburban Texas. Low rates, reduced mortgage insurance, and flexible credit requirements.

USDA Loan Benefits

• Zero down payment — 100% financing for eligible buyers
• Below-market interest rates guaranteed by the USDA
• Lower mortgage insurance premiums than FHA loans
• Flexible credit score guidelines (typically 640+)
• Available for single-family primary residences in eligible areas
• Seller can pay up to 6% of the purchase price toward closing costs

Eligibility Requirements

To qualify for a USDA loan, both the buyer and the property must meet eligibility requirements. The property must be located in a USDA-designated rural or suburban area, and the buyer's household income must be within the USDA income limits for their county and household size.

Many areas outside of major Texas cities — including communities near San Antonio, Austin, and Houston — qualify as USDA-eligible. Joshua can help you check your property address and income eligibility quickly.