Texas USDA Loans

What are Texas USDA Home Loans?

USDA stands for United States Department of Agriculture. A USDA Mortgage provides a low-cost insured home mortgage loan that suits a variety of options. A USDA mortgage is likely the best home loan option if you want to purchase a home with no down payment. If you’re unsure about your credit rating, or have concerns about a down payment when you’re doing a home loan comparison, USDA Rural Mortgage Loans can give you piece of mind with zero-down, super low closing costs and low monthly mortgage insurance.

What Rural Development Loans does USDA offer in Texas?

Currently, there are two kinds of USDA Home Loans available in Texas for single family households:

. USDA Guaranteed Loans
USDA Guaranteed Home Mortgage Loans are the most common type of USDA Loan in Texas and allow for higher income limits and 100% financing for home purchases. USDA Guaranteed Loan applicants may have an income of up to 115% of the median household income for the area. Area income limits for this program can be viewed here. All USDA Guaranteed Loans carry 30 year terms and are set at a fixed rate.

. USDA Direct Loans
USDA Direct Housing Loans are less common than USDA Guaranteed Loans and are only available for low and very low income households to obtain a zero down mortgage, as defined by the USDA. Very low income is defined as below 50 percent of the area median income (AMI); low income is between 50 and 80 percent of AMI; moderate income is 80 to 100 percent of AMI. Click here to see area income limits for this program.

What factors determine my eligibility for a USDA Loan in Texas?

To be eligible for A USDA Rural Loan in Texas, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income (29% ratio). Your credit background will be fairly considered. A 620 FICO credit score is required to obtain a USDA Rural Housing Loan approval through most lenders. You must also have enough income to pay your housing costs plus all additional monthly debt (41% ratio). These ratios can be exceeded somewhat with compensating factors. Applicants for loans may have an income of up to 115% of the median income for the area. Maximum USDA Guaranteed Loan income limits for your area can be found at here. Maximum USDA Direct Loan income limits for your area can be found at here. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance.

How much can I borrow?

The maximum amount for an USDA home loan is determined by:

Maximum Loan Amount: The is no set maximum loan amount allowed for USDA Rural Home Loans. Instead, your debt-to-income ratios will dictate how much home your can afford (29/41 ratios). Additionally, your total household monthly income must be within USDA allowed maximum income limits for your area. Maximum USDA Guaranteed Loan income limits for your area can be found at here.

Maximum financing: The maximum USDA Rural Development Loan amount is 102% of the appraised value of the home (100% plus the 2% USDA RD Loan guarantee fee).

How much money is needed for the down payment and closing costs?

USDA Rural Development Mortgage Loans require no down payment and they allow for the closing costs to be included in the loan amount (appraisal permitting).

What property types are allowed for USDA RD Loans in Texas?

While USDA Mortgage Guidelines do require that the property be Owner Occupied (OO), they do allow you to purchase condos, planned unit developments, manufactured homes, and single family residences.

Complete Online Application

Texas USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2012

County Name
1-4 Person Households
(Guaranteed Loans)
5-8 Person Households 
(Guaranteed Loans)
ANDERSON
$73,600
$97,150
PALESTINE, TX (MICRO)
ANDREWS
$73,600
$97,150
ANDREWS, TX (MICRO)
ANGELINA
$73,600
$97,150
LUFKIN, TX (MICRO)
ARANSAS
$73,600
$97,150
CORPUS CHRISTI, TX (MSA)
ARCHER
$73,600
$97,150
WICHITA FALLS, TX (MSA)
ARMSTRONG
$73,600
$97,150
AMARILLO, TX (MSA)
ATASCOSA
$73,600
$97,150
SAN ANTONIO, TX (MSA)
AUSTIN
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
BAILEY
$73,600
$97,150
NON-METRO
BANDERA
$73,600
$97,150
SAN ANTONIO, TX (MSA)
BASTROP
$84,300
$111,300
AUSTIN-ROUND ROCK, TX (MSA)
BAYLOR
$73,600
$97,150
NON-METRO
BEE
$73,600
$97,150
BEEVILLE, TX (MICRO)
BELL
$73,600
$97,150
KILLEEN-TEMPLE-FORT HOOD, TX (MSA)
BEXAR
$73,600
$97,150
SAN ANTONIO, TX (MSA)
BLANCO
$73,600
$97,150
NON-METRO
BORDEN
$73,600
$97,150
NON-METRO
BOSQUE
$73,600
$97,150
NON-METRO
BOWIE
$73,600
$97,150
TEXARKANA, TX-TEXARKANA, AR (MSA)
BRAZORIA
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
BRAZOS
$73,600
$97,150
COLLEGE STATION-BRYAN, TX (MSA)
BREWSTER
$73,600
$97,150
NON-METRO
BRISCOE
$73,600
$97,150
NON-METRO
BROOKS
$73,600
$97,150
NON-METRO
BROWN
$73,600
$97,150
BROWNWOOD, TX (MICRO)
BURLESON
$73,600
$97,150
COLLEGE STATION-BRYAN, TX (MSA)
BURNET
$73,600
$97,150
NON-METRO
CALDWELL
$84,300
$111,300
AUSTIN-ROUND ROCK, TX (MSA)
CALHOUN
$73,600
$97,150
VICTORIA, TX (MSA)
CALLAHAN
$73,600
$97,150
ABILENE, TX (MSA)
CAMERON
$73,600
$97,150
BROWNSVILLE-HARLINGEN, TX (MSA)
CAMP
$73,600
$97,150
NON-METRO
CARSON
$73,600
$97,150
AMARILLO, TX (MSA)
CASS
$73,600
$97,150
NON-METRO
CASTRO
$73,600
$97,150
NON-METRO
CHAMBERS
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
CHEROKEE
$73,600
$97,150
JACKSONVILLE, TX (MICRO)
CHILDRESS
$73,600
$97,150
NON-METRO
CLAY
$73,600
$97,150
WICHITA FALLS, TX (MSA)
COCHRAN
$73,600
$97,150
NON-METRO
COKE
$73,600
$97,150
NON-METRO
COLEMAN
$73,600
$97,150
NON-METRO
COLLIN
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
COLLINGSWORTH
$73,600
$97,150
NON-METRO
COLORADO
$73,600
$97,150
NON-METRO
COMAL
$73,600
$97,150
SAN ANTONIO, TX (MSA)
COMANCHE
$73,600
$97,150
NON-METRO
CONCHO
$73,600
$97,150
NON-METRO
COOKE
$73,600
$97,150
GAINESVILLE, TX (MICRO)
CORYELL
$73,600
$97,150
KILLEEN-TEMPLE-FORT HOOD, TX (MSA)
COTTLE
$73,600
$97,150
NON-METRO
CRANE
$73,600
$97,150
NON-METRO
CROCKETT
$73,600
$97,150
NON-METRO
CROSBY
$73,600
$97,150
LUBBOCK, TX (MSA)
CULBERSON
$73,600
$97,150
NON-METRO
DALLAM
$73,600
$97,150
NON-METRO
DALLAS
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
DAWSON
$73,600
$97,150
LAMESA, TX (MICRO)
DE WITT
$73,600
$97,150
NON-METRO
DEAF SMITH
$73,600
$97,150
HEREFORD, TX (MICRO)
DELTA
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
DENTON
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
DICKENS
$73,600
$97,150
NON-METRO
DIMMIT
$73,600
$97,150
NON-METRO
DONLEY
$73,600
$97,150
NON-METRO
DUVAL
$73,600
$97,150
NON-METRO
EASTLAND
$73,600
$97,150
NON-METRO
ECTOR
$73,600
$97,150
ODESSA, TX (MSA)
EDWARDS
$73,600
$97,150
NON-METRO
EL PASO
$73,600
$97,150
EL PASO, TX (MSA)
ELLIS
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
ERATH
$73,600
$97,150
STEPHENVILLE, TX (MICRO)
FALLS
$73,600
$97,150
NON-METRO
FANNIN
$73,600
$97,150
BONHAM, TX(MICRO)
FAYETTE
$73,600
$97,150
NON-METRO
FISHER
$73,600
$97,150
NON-METRO
FLOYD
$73,600
$97,150
NON-METRO
FOARD
$73,600
$97,150
NON-METRO
FORT BEND
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
FRANKLIN
$73,600
$97,150
NON-METRO
FREESTONE
$73,600
$97,150
NON-METRO
FRIO
$73,600
$97,150
NON-METRO
GAINES
$73,600
$97,150
NON-METRO
GALVESTON
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
GARZA
$73,600
$97,150
NON-METRO
GILLESPIE
$73,600
$97,150
NON-METRO
GLASSCOCK
$73,600
$97,150
NON-METRO
GOLIAD
$73,600
$97,150
VICTORIA, TX (MSA)
GONZALES
$73,600
$97,150
NON-METRO
GRAY
$73,600
$97,150
PAMPA, TX (MICRO)
GRAYSON
$73,600
$97,150
SHERMAN-DENISON, TX (MSA)
GREGG
$73,600
$97,150
LONGVIEW, TX (MSA)
GRIMES
$73,600
$97,150
NON-METRO
GUADALUPE
$73,600
$97,150
SAN ANTONIO, TX (MSA)
HALE
$73,600
$97,150
PLAINVIEW, TX (MICRO)
HALL
$73,600
$97,150
NON-METRO
HAMILTON
$73,600
$97,150
NON-METRO
HANSFORD
$73,600
$97,150
NON-METRO
HARDEMAN
$73,600
$97,150
NON-METRO
HARDIN
$73,600
$97,150
BEAUMONT-PORT ARTHUR, TX (MSA)
HARRIS
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
HARRISON
$73,600
$97,150
MARSHALL, TX (MICRO)
HARTLEY
$73,600
$97,150
NON-METRO
HASKELL
$73,600
$97,150
NON-METRO
HAYS
$84,300
$111,300
AUSTIN-ROUND ROCK, TX (MSA)
HEMPHILL
$73,600
$97,150
NON-METRO
HENDERSON
$73,600
$97,150
ATHENS, TX (MICRO)
HIDALGO
$73,600
$97,150
MCALLEN-EDINBURG-MISSION, TX (MSA)
HILL
$73,600
$97,150
NON-METRO
HOCKLEY
$73,600
$97,150
LEVELLAND, TX (MICRO)
HOOD
$73,600
$97,150
GRANBURY, TX (MICRO)
HOPKINS
$73,600
$97,150
SULPHUR SPRINGS, TX (MICRO)
HOUSTON
$73,600
$97,150
NON-METRO
HOWARD
$73,600
$97,150
BIG SPRING, TX (MICRO)
HUDSPETH
$73,600
$97,150
NON-METRO
HUNT
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
HUTCHINSON
$73,600
$97,150
BORGER, TX (MICRO)
IRION
$73,600
$97,150
SAN ANGELO, TX (MSA)
JACK
$73,600
$97,150
NON-METRO
JACKSON
$73,600
$97,150
NON-METRO
JASPER
$73,600
$97,150
NON-METRO
JEFF DAVIS
347250
521650
NON-METRO
JEFFERSON
$73,600
$97,150
BEAUMONT-PORT ARTHUR, TX (MSA)
JIM HOGG
$73,600
$97,150
NON-METRO
JIM WELLS
$73,600
$97,150
ALICE, TX (MICRO)
JOHNSON
$75,900
$100,200
FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION
JONES
$73,600
$97,150
ABILENE, TX (MSA)
KARNES
$73,600
$97,150
NON-METRO
KAUFMAN
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
KENDALL
$73,600
$97,150
SAN ANTONIO, TX (MSA)
KENEDY
$73,600
$97,150
KINGSVILLE, TX (MICRO)
KENT
$73,600
$97,150
NON-METRO
KERR
$73,600
$97,150
KERRVILLE, TX (MICRO)
KIMBLE
$73,600
$97,150
NON-METRO
KING
$73,600
$97,150
NON-METRO
KINNEY
$73,600
$97,150
NON-METRO
KLEBERG
$73,600
$97,150
KINGSVILLE, TX (MICRO)
KNOX
$73,600
$97,150
NON-METRO
LA SALLE
$73,600
$97,150
NON-METRO
LAMAR
$73,600
$97,150
PARIS, TX (MICRO)
LAMB
$73,600
$97,150
NON-METRO
LAMPASAS
$73,600
$97,150
KILLEEN-TEMPLE-FORT HOOD, TX (MSA)
LAVACA
$73,600
$97,150
NON-METRO
LEE
$73,600
$97,150
NON-METRO
LEON
$73,600
$97,150
NON-METRO
LIBERTY
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
LIMESTONE
$73,600
$97,150
NON-METRO
LIPSCOMB
$73,600
$97,150
NON-METRO
LIVE OAK
$73,600
$97,150
NON-METRO
LLANO
$73,600
$97,150
NON-METRO
LOVING
$73,600
$97,150
NON-METRO
LUBBOCK
$73,600
$97,150
LUBBOCK, TX (MSA)
LYNN
$73,600
$97,150
NON-METRO
MADISON
$73,600
$97,150
NON-METRO
MARION
$73,600
$97,150
NON-METRO
MARTIN
$73,600
$97,150
NON-METRO
MASON
$73,600
$97,150
NON-METRO
MATAGORDA
$73,600
$97,150
BAY CITY, TX (MICRO)
MAVERICK
$73,600
$97,150
EAGLE PASS, TX (MICRO)
MCCULLOCH
$73,600
$97,150
NON-METRO
MCLENNAN
$73,600
$97,150
WACO, TX (MSA)
MCMULLEN
$73,600
$97,150
NON-METRO
MEDINA
$73,600
$97,150
SAN ANTONIO, TX (MSA)
MENARD
$73,600
$97,150
NON-METRO
MIDLAND
$73,600
$97,150
MIDLAND, TX (MSA)
MILAM
$73,600
$97,150
NON-METRO
MILLS
$73,600
$97,150
NON-METRO
MITCHELL
$73,600
$97,150
NON-METRO
MONTAGUE
$73,600
$97,150
NON-METRO
MONTGOMERY
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
MOORE
$73,600
$97,150
DUMAS, TX (MICRO)
MORRIS
$73,600
$97,150
NON-METRO
MOTLEY
$73,600
$97,150
NON-METRO
NACOGDOCHES
$73,600
$97,150
NACOGDOCHES, TX (MICRO)
NAVARRO
$73,600
$97,150
CORSICANA, TX (MICRO)
NEWTON
$73,600
$97,150
NON-METRO
NOLAN
$73,600
$97,150
SWEETWATER, TX (MICRO)
NUECES
$73,600
$97,150
CORPUS CHRISTI, TX (MSA)
OCHILTREE
$73,600
$97,150
NON-METRO
OLDHAM
$73,600
$97,150
NON-METRO
ORANGE
$73,600
$97,150
BEAUMONT-PORT ARTHUR, TX (MSA)
PALO PINTO
$73,600
$97,150
MINERAL WELLS, TX (MICRO)
PANOLA
$73,600
$97,150
NON-METRO
PARKER
$75,900
$100,200
FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION
PARMER
$73,600
$97,150
NON-METRO
PECOS
$73,600
$97,150
NON-METRO
POLK
$73,600
$97,150
NON-METRO
POTTER
$73,600
$97,150
AMARILLO, TX (MSA)
PRESIDIO
$73,600
$97,150
NON-METRO
RAINS
$73,600
$97,150
NON-METRO
RANDALL
$73,600
$97,150
AMARILLO, TX (MSA)
REAGAN
$73,600
$97,150
NON-METRO
REAL
$73,600
$97,150
NON-METRO
RED RIVER
$73,600
$97,150
NON-METRO
REEVES
$73,600
$97,150
PECOS, TX (MICRO)
REFUGIO
$73,600
$97,150
NON-METRO
ROBERTS
$73,600
$97,150
PAMPA, TX (MICRO)
ROBERTSON
$73,600
$97,150
COLLEGE STATION-BRYAN, TX (MSA)
ROCKWALL
$77,750
$102,650
DALLAS-PLANO-IRVING, TX METROPOLITAN DIVISION
RUNNELS
$73,600
$97,150
NON-METRO
RUSK
$73,600
$97,150
LONGVIEW, TX (MSA)
SABINE
$73,600
$97,150
NON-METRO
SAN AUGUSTINE
$73,600
$97,150
NON-METRO
SAN JACINTO
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
SAN PATRICIO
$73,600
$97,150
CORPUS CHRISTI, TX (MSA)
SAN SABA
$73,600
$97,150
NON-METRO
SCHLEICHER
$73,600
$97,150
NON-METRO
SCURRY
$73,600
$97,150
SNYDER, TX (MICRO)
SHACKELFORD
$73,600
$97,150
NON-METRO
SHELBY
$73,600
$97,150
NON-METRO
SHERMAN
$73,600
$97,150
NON-METRO
SMITH
$73,600
$97,150
TYLER, TX (MSA)
SOMERVELL
$73,600
$97,150
GRANBURY, TX (MICRO)
STARR
$73,600
$97,150
RIO GRANDE CITY-ROMA, TX (MICRO)
STEPHENS
$73,600
$97,150
NON-METRO
STERLING
$73,600
$97,150
NON-METRO
STONEWALL
$73,600
$97,150
NON-METRO
SUTTON
$73,600
$97,150
NON-METRO
SWISHER
$73,600
$97,150
NON-METRO
TARRANT
$75,900
$100,200
FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION
TAYLOR
$73,600
$97,150
ABILENE, TX (MSA)
TERRELL
$73,600
$97,150
NON-METRO
TERRY
$73,600
$97,150
NON-METRO
THROCKMORTON
$73,600
$97,150
NON-METRO
TITUS
$73,600
$97,150
MOUNT PLEASANT, TX (MICRO)
TOM GREEN
$73,600
$97,150
SAN ANGELO, TX (MSA)
TRAVIS
$84,300
$111,300
AUSTIN-ROUND ROCK, TX (MSA)
TRINITY
$73,600
$97,150
NON-METRO
TYLER
$73,600
$97,150
NON-METRO
UPSHUR
$73,600
$97,150
LONGVIEW, TX (MSA)
UPTON
$73,600
$97,150
NON-METRO
UVALDE
$73,600
$97,150
UVALDE, TX (MICRO)
VAL VERDE
$73,600
$97,150
DEL RIO, TX (MICRO)
VAN ZANDT
$73,600
$97,150
NON-METRO
VICTORIA
$73,600
$97,150
VICTORIA, TX (MSA)
WALKER
$73,600
$97,150
HUNTSVILLE, TX (MICRO)
WALLER
$73,600
$97,150
HOUSTON-SUGAR LAND-BAYTOWN, TX (MSA)
WARD
$73,600
$97,150
NON-METRO
WASHINGTON
$73,600
$97,150
BRENHAM, TX (MICRO)
WEBB
$73,600
$97,150
LAREDO, TX (MSA)
WHARTON
$73,600
$97,150
EL CAMPO, TX (MICRO)
WHEELER
$73,600
$97,150
NON-METRO
WICHITA
$73,600
$97,150
WICHITA FALLS, TX (MSA)
WILBARGER
$73,600
$97,150
VERNON, TX (MICRO)
WILLACY
$73,600
$97,150
RAYMONDVILLE, TX (MICRO)
WILLIAMSON
$84,300
$111,300
AUSTIN-ROUND ROCK, TX (MSA)
WILSON
$73,600
$97,150
SAN ANTONIO, TX (MSA)
WINKLER
$73,600
$97,150
NON-METRO
WISE
$75,900
$100,200
FORT WORTH-ARLINGTON, TX METROPOLITAN DIVISION
WOOD
$73,600
$97,150
NON-METRO
YOAKUM
$73,600
$97,150
NON-METRO
YOUNG
$73,600
$97,150
NON-METRO
ZAPATA
$73,600
$97,150
NON-METRO
ZAVALA
$73,600
$97,150
NON-METRO

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