USDA Loans
Zero-down financing for eligible buyers purchasing in designated rural and suburban areas, with income limits based on household size and county.
- 0% down payment
- Reduced mortgage insurance compared to FHA
- Fixed-rate terms only, up to 30 years
- Available on primary residences in USDA-eligible areas
- Income limited based on area median income and household size
Ask About USDA
USDA loans are one of the few remaining zero-down options, but they’re geography- and income-gated — the property has to sit in a USDA-eligible area and your household income has to fall under the local limit. Where both are true, it’s often the least expensive path into a home with no down payment.
Who This Is For
- Buyers purchasing in a USDA-eligible suburban or rural area
- Buyers who qualify on income but don't have down payment savings
- Households whose income falls within local USDA limits
USDA FAQs
How do I know if a property is USDA-eligible?
USDA eligibility is based on the property's location, not just "rural" in the traditional sense — many suburban areas outside Houston qualify. We can check an address for you directly.
Is there an income limit?
Yes, USDA sets income limits by county and household size; we'll check your household against the local limit before you go under contract.
Is USDA mortgage insurance cheaper than FHA?
Generally yes — both the upfront guarantee fee and annual fee run lower than FHA's mortgage insurance premium.
Related Resources
Ready to Talk Through USDA?
Tell us about your situation and we'll tell you honestly what it will take to qualify.
