Check the address first
USDA eligibility is based on the property location. Some communities outside major Texas cities may qualify; an address check is essential.
Eligible rural and suburban homes · Texas
Texas
USDA loans.
Zero-down financing for eligible households buying an eligible rural or suburban primary residence. The location of the home and household income are key starting points.
Options depend on your qualifications, property, and lender review. This overview is not a loan approval or rate quote.
Know your options
How this
program works.
Qualified zero-down purchases
Eligible borrowers can explore 100% purchase financing. Closing costs and prepaid expenses still need to be considered.
Income eligibility matters
Household income limits and repayment requirements apply. We will review the household, property, and your overall qualifications together.
Make an informed choice
What to
consider.
- USDA eligibility is not determined by the city name alone.
- Household income limits vary by area and household size.
- Program guarantee fees, closing costs, credit, and occupancy requirements still apply.
Common questions
A clearer
starting point.
Does every rural home qualify?
No. The specific address and the property must meet USDA eligibility requirements.
Is USDA only for first-time buyers?
First-time status is not the only qualifying factor. Property, income, occupancy, and underwriting requirements determine eligibility.
Does zero down mean no closing costs?
No. We will review the fees, prepaid expenses, and any permitted credits or assistance separately.
A quick introduction
Let's find your
way home.
Tell me a little about your plans. I’ll help you understand your loan options and next steps.
npyles@lonestarfinancing.comPrefer to talk? Book a 15 minute call.