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USDA loans in Texas

Quick answer

USDA loans in Texas offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

USDA loan snapshot for Texas

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical TX home value$260,400
3.5% down on typical home$9,114
20% down on typical home$52,080
Avg. effective property tax1.58%/yr (~$343/mo)
Income for typical home (31% rule)$87,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Texas programs pair with USDA loans?

  • My First Texas Home: A first mortgage with down payment assistance for first-time buyers and veterans.
  • My Choice Texas Home: Assistance for buyers who are not first-time buyers but meet income limits.
  • Homes for Texas Heroes (TSAHC): Assistance for teachers, first responders, nurses, corrections officers and veterans.

Details and current limits: Texas Dept. of Housing and Community Affairs (TDHCA) & TSAHC.

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Texas cities

HoustonSan AntonioDallasAustinFort WorthEl PasoArlingtonCorpus ChristiPlanoLubbockLaredoIrvingGarlandFriscoMcKinneyAmarilloGrand PrairieBrownsvilleKilleenPasadenaMesquiteDentonMcAllenWacoMidlandCarrolltonLewisvilleAbilenePearlandRound RockCollege StationRichardsonThe WoodlandsLeague CityOdessaBeaumontSugar LandTylerAllenEdinburgWichita FallsSan AngeloNew BraunfelsConroeAtascocitaTempleMissionBryanBaytownLongviewPharrGeorgetownFlower MoundCedar ParkMansfieldMissouri CityHarlingenNorth Richland HillsSan MarcosLeanderSpringVictoriaPflugervilleRowlettEulessWylieDeSotoPort ArthurTexas CityGalvestonKyleLittle ElmBurlesonGrapevineRockwallBedfordCedar HillHuntsvilleHaltom CityKellerShermanThe ColonyWaxahachieChannelviewSchertzCoppellWeslacoFriendswoodLancasterHurstDuncanvilleRosenbergMission BendMidlothianCopperas CoveFarmers BranchSocorroLa PorteTexarkanaSan JuanTimberwood ParkDel RioProsperLufkinWeatherfordCiboloDeer ParkHarker HeightsCleburneCanyon LakeHuttoNacogdochesWest OdessaSeguinSouthlakeGreenvilleSachseConverseForneyEagle PassLake JacksonAlvinBalch SpringsCelinaFulshearColleyvilleFort HoodDenisonCorsicanaUniversity ParkKingsvilleSiennaPecan GroveBig SpringParisSan BenitoCloverleafKerrvilleSaginawBenbrookFresnoKatyBeltonMarshallWataugaHorizon CityCorinthDickinsonEnnisStephenvilleMurphyAnnaPrincetonBrushy CreekFatePortlandAlamoPlainviewUniversal CityAngletonBoerneAltonOrangeCinco RanchLakewayTerrellCrowleySeagovillePalestineLa MarqueBrownwoodSteiner RanchNederlandWhite SettlementBrenhamBay CityAliceGainesvilleMelissaRoyse CityStaffordGlenn HeightsAddisonBellaireGrovesManorDonnaTaylorPampaHumbleMercedesHewittSulphur SpringsMount PleasantGatesvilleSouth HoustonHighland VillageRed OakRendonLive OakPalmviewBudaAldineCanyonUvaldeRio Grande CityMineral WellsWest University PlaceHerefordLockhartDumasHidalgoJacksonvilleWells BranchForest HillLumbertonAzlePort NechesSeabrookBeevilleTrophy ClubKilgoreAndrewsHendersonTomballAthensManvelSanta FeRobinsonLantanaLevellandBorgerWebsterEl CampoRichmondHornsby BendFort BlissGranburyRomaFour CornersTown of PecosLeon ValleyPort LavacaLa HomaSnyderSelmaFredericksburgIowa ColonyHeartlandBurkburnettElginPleasantonScenic OaksCluteFreeportFair Oaks RanchBonhamFairviewBellmeadGalena ParkBastropSweetwaterRockportRaymondvilleRobstownHeathSan Elizario

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Texas qualify; check a specific address on the USDA eligibility map.

Often yes. Texas Dept. of Housing and Community Affairs (TDHCA) & TSAHC and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.