USDA Loans in Texas

At The Texas Mortgage Pros, we simplify USDA Loans in Texas, making rural living accessible and stress-free.

What is a USDA Loan in Texas?

USDA Loans in Texas are government-backed loans designed to promote homeownership in rural and suburban areas. These loans, offered through the U.S. Department of Agriculture (USDA), provide affordable options for eligible buyers, including zero down payment requirements, competitive interest rates, and reduced mortgage insurance costs. USDA loans are perfect for families and individuals seeking to achieve their dream of homeownership in less populated regions of Texas.

USDA Loan Requirements

To qualify for a USDA Loan in Texas, borrowers must meet these key requirements:

Property Eligibility: The home must be located in a USDA-designated rural area.
Income Limits: Household income must fall within USDA income guidelines.
Credit Score: Most lenders require a minimum credit score of 640.
Primary Residence: The property must serve as the borrower's primary residence.
U.S. Citizenship or Eligible Residency: Applicants must be U.S. citizens or have legal permanent residency.
Debt-to-Income Ratio: Typically should not exceed 41%, though some flexibility is allowed.

Other Loans Available in Texas

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Pre-Qualify

Get Pre-Qualified Now

Ready to take the next step toward homeownership with a Texas USDA Loan? Get prequalified in just a few minutes and find out how much you can invest in your future.

Discover your qualification amount in 10 minutes or less with our easy, online pre-qualification process.

Get an instant estimate of how much you can qualify for, streamlining your home-buying journey.

Partner with our experienced, local loan experts who are dedicated to providing personalized and knowledgeable support.

Count on us to guide you smoothly through the process, ensuring your loan closes on time, every time.

Pre-Qualify Here

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Income Limits for USDA Loans

USDA loans have income limits based on household size and location. These limits ensure the program serves low- to moderate-income families. To check specific income thresholds for your area, visit the USDA’s Income Limits Tool.

Types of USDA Loans in Texas

USDA Loans in Texas come in three primary types, each catering to different needs:

USDA Guaranteed Loan: Available through approved lenders, offering 100% financing for moderate-income buyers.
USDA Direct Loan: Issued directly by the USDA, designed for low- and very low-income applicants.
USDA Construction Loan: Enables borrowers to finance both the construction of a new home and its permanent mortgage.

Real Stories From Homebuyers

This has been a seamless, pleasant and positive experience which I truly appreciate. Not to mention, He saved us a ton of money for closing! Thank you for all the encouragement and hard work you put in to making this happen for me and my family!

Clyneshia Butler

Texas Home Buyer

How It Works

USDA Loan Approval Process

Here’s a step-by-step guide to securing USDA Loans in Texas:

Step 1

Prequalification

Work with a lender to determine your eligibility.

Step 2

Property Selection

Identify a USDA-eligible property.

Step 3

Submit Required Documents

Provide required documents to your lender.

Step 4

Appraisal

Verify the home meets USDA standards.

Step 5

Loan Processing

USDA reviews the loan for final approval.

Step 6

Closing

Sign the paperwork and take ownership of your new home.

Rural Housing Service in Texas

The Rural Housing Service (RHS) plays a pivotal role in administering USDA loans in Texas. Their mission is to improve the quality of life in rural areas by increasing access to affordable housing. Through USDA loan programs, RHS supports homeownership, community development, and economic growth in Texas’s underserved regions.

The Texas Mortgage Pros is one of the approved USDA Lenders in Texas. We are a USDA Guarantee Lender in the area that can provide any information you need to secure a USDA loan.

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Over 95% of rural areas in Texas are eligible for USDA loans, making homeownership accessible for many families.

Pros and Cons

Weighing Your Options with USDA Loans in Texas

Pros:

No down payment required, 100% financing
Competitive interest rates
Affordable mortgage insurance premiums
Flexible credit score requirements
Supports Agricultural Producers with Operating Loans
Finance closing costs and repairs right into the loan