USDA Loans for Rural Homebuyers

Zero Down Payment

Finance 100% of your home purchase with no down payment required.

Flexible Credit

580+ credit score recommended

Rural Properties

Designed for homebuyers in USDA-eligible rural areas across Texas.

Income-Based

Qualify based on income limits (115% of area median) in your county.

Credit Score

• Minimum: 580+ – Recommended for approval
• Generally, the higher your credit score, the better your rate
• We review all factors in your credit history

Income Limits

• 115% of Area Median Income – Based on your county
• Limits vary by location and household size
• We'll verify your income eligibility during application

Debt-to-Income Ratio

• Maximum DTI: 41% – Flexible qualification
• Your monthly debt payments ÷ gross monthly income
• We review your complete financial profile

Property Location

• USDA-Eligible Rural Areas – Primary residence only
• Single-family homes in designated rural zones
• We'll verify property eligibility before approval

Down Payment

• 0% Down – 100% financing available
• Upfront funding fee: 1.0% (can be rolled into loan)
• No required down payment from savings

Occupancy

• Primary Residence Only – Must occupy the home
• Not available for investment or rental properties
• Owner-occupancy required within 60 days of closing