Leave the city and buy your Texas USDA property with no down payment. Designed for rural and suburban properties, you can take your piece of Texas with a USDA home loan.
Check Eligibility
Texas USDA loans are backed by the Department of Agriculture and it is such a powerful loan that makes purchasing property outside big cities very much affordable. Here's what makes them a great option:
No down payment means 100% financing which also means you don't have to spend your savings just on the down payment — a major edge over the minimum down payment on a conventional loan.
The guarantee fee for a USDA loan is typically lower than that of an FHA mortgage which has MIP and ends up actually saving you money on your monthly payment.
Because the government backs this loan, lenders can offer more competitive and lower rates for either a 15- or 30-year. This ensures that you don't have to worry about refinancing right away.
In order to qualify for 100% financing, both your family and the property must meet the exact rural development requirements.
The property has to be located in a USDA eligible location which can be double-checked from the USDA mapping tool. Most locations are right outside major metro areas.
The total housing income for your family cannot exceed 115% of the local median income. For a standard family of four in Texas for 2026, the limit sits right around $119,850.
Usually for USDA, you have to occupy it as your primary and normal residence. The loan can't be used for buying a second home or even an investment or short-term rental. Operating as a farm is also ineligible.
Unlike a conventional loan or FHA, which enforce strict loan limits, a USDA loan has no maximum property value boundary which means you can buy more home. First-time buyers often pair this with our first-time home buyer programs.
Use our tools to see how much home you can afford zero down in the Texas countryside, then read our mortgage pre-approval guide to map next steps.
Use this calculator to estimate your PITI that includes the 0.35% USDA Guarantee Fee and make sure the payments fit your budget.
Reach out to your Local Texas loan officer with a zip code in mind. We can reference the USDA eligibility map and find if this is a loan option for you.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Estimate your annual Texas property tax with homestead exemption math built in.
Here are the answers to the most commonly asked questions that Texans normally will look for when navigating a zero-down USDA loan. If you don't see your question answered, contact our team.