🏠 This residential loan program is exclusively available for Texas borrowers.

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USDA Rural Development Loans

Zero down payment home loans for rural and suburban home buyers.

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Overview

USDA loans are guaranteed by the U.S. Department of Agriculture for properties in eligible rural and suburban areas. With no down payment required and below-market rates, they're one of the best-kept secrets in home financing — available to moderate-income buyers who meet geographic eligibility requirements.

  • Zero down payment required
  • Below-market interest rates
  • Lower mortgage insurance than FHA

Loan Specifications

Min Amount

$50,000

Max Amount

Varies by county (based on income limits)

Loan Term

30 years

Max LTV

Up to 102% (can include guarantee fee)

Amortization

30 years

Rate Type

Fixed

Eligibility Criteria

  • Property must be in a USDA-eligible rural/suburban area
  • Income must be at or below 115% of area median income
  • Primary residence only
  • Minimum 640 credit score for automated approval

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • 2 years W-2s and tax returns
  • Last 30 days pay stubs
  • 2 months bank statements
  • Property must pass USDA appraisal
  • Proof of citizenship or eligible non-citizen status

Frequently Asked Questions