Texas USDA Rural Development No Money Down USDA Loan Program

For Texas homebuyers the no money down USDA Loan program offers affordable mortgage financing for moderate income households purchasing a house in a designated USDA Rural area as determined by the Rural Housing Service (RHS). Income and property location guidelines for the USDA Loan program require that the:
Household must have a moderate income not to exceed USDA Program county limits based on a household size of one to four or five and more family members.
The house must be located in a designated RHS USDA Rural approved area. Homebuyers should not assume that the term "rural" means the USDA Home Loan program is only available in farming communities. Many areas approved by the RHS for the USDA Loan program are residential areas, near major cities, with a complete absence of any local farms.
Texas USDA Loan County Guideline Lookup Tool
Select County Maximum Income
Family 1-4:
Family 5+:
County Eligibility:
Make too much to qualify for the Texas USDA Loan? You still may qualify for the California USDA Loan Program based on certain deductions allowed by USDA Rural Development using the
Texas USDA Max Income Calculator

By purchasing a home located in a USDA Rural area, USDA Loans allow qualified homebuyers the ability to buy a house with:

No Money Down - 100% USDA Loan Financing - Low Monthly Mortgage Insurance - Flexible Credit Approval - Secure 30 Year Fixed Rate Mortgage - Unlimited Seller Closing Cost Help Allowed.


Get Qualified For The USDA Rural Development Loan
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Step 2 of 3 : About You
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Texas USDA Rural Development County Specific Income and Location Guidelines

CountyMax Household IncomeLocation Restrictions
1 - 4 5 + People
Anderson$74,750$98,650100% Eligible
Andrews$74,750$98,650100% Eligible
Angelina$74,750$98,650Partially Eligible
Aransas$74,750$98,650100% Eligible
Archer$74,750$98,650Partially Eligible
Armstrong$74,750$98,650100% Eligible
Atascosa$74,750$98,650100% Eligible
Austin$76,850$101,450100% Eligible
Bailey$74,750$98,650100% Eligible
Bandera$74,750$98,650100% Eligible
Bastrop$87,250$115,150100% Eligible
Baylor$74,750$98,650100% Eligible
Bee$74,750$98,650100% Eligible
Bell$74,750$98,650Partially Eligible
Bexar$74,750$98,650Partially Eligible
Blanco$77,050$101,700100% Eligible
Borden$74,750$98,650100% Eligible
Bosque$74,750$98,650100% Eligible
Bowie$74,750$98,650Partially Eligible
Brazoria$89,350$117,950Partially Eligible
Brazos$74,750$98,650Partially Eligible
Brewster$74,750$98,650100% Eligible
Briscoe$74,750$98,650100% Eligible
Brooks$74,750$98,650100% Eligible
Brown$74,750$98,650100% Eligible
Burleson$74,750$98,650100% Eligible
Burnet$74,750$98,650100% Eligible
Caldwell$87,250$115,150Partially Eligible
Calhoun$74,750$98,650100% Eligible
Callahan$74,750$98,650100% Eligible
Cameron$74,750$98,650Partially Eligible
Camp$74,750$98,650100% Eligible
Carson$74,750$98,650100% Eligible
Cass$74,750$98,650100% Eligible
Castro$74,750$98,650100% Eligible
Chambers$76,900$101,500100% Eligible
Cherokee$74,750$98,650100% Eligible
Childress$74,750$98,650100% Eligible
Clay$74,750$98,650Partially Eligible
Cochran$74,750$98,650100% Eligible
Coke$74,750$98,650100% Eligible
Coleman$74,750$98,650100% Eligible
Collin$80,650$106,450Partially Eligible
Collingsworth$74,750$98,650100% Eligible
Colorado$74,750$98,650100% Eligible
Comal$74,750$98,650Partially Eligible
Comanche$74,750$98,650100% Eligible
Concho$74,750$98,650100% Eligible
Cooke$74,750$98,650100% Eligible
Coryell$74,750$98,650Partially Eligible
Cottle$74,750$98,650100% Eligible
Crane$74,750$98,650100% Eligible
Crockett$74,750$98,650100% Eligible
Crosby$74,750$98,650100% Eligible
Culberson$74,750$98,650100% Eligible
Dallam$74,750$98,650100% Eligible
Dallas$80,650$106,450Partially Eligible
Dawson$74,750$98,650100% Eligible
De Witt$74,750$98,650100% Eligible
Deaf Smith$74,750$98,650100% Eligible
Delta$80,650$106,450100% Eligible
Denton$80,650$106,450Partially Eligible
Dickens$74,750$98,650100% Eligible
Dimmit$74,750$98,650100% Eligible
Donley$74,750$98,650100% Eligible
Duval$74,750$98,650100% Eligible
Eastland$74,750$98,650100% Eligible
Ector$74,750$98,650Partially Eligible
Edwards$74,750$98,650100% Eligible
El Paso$74,750$98,650Partially Eligible
Ellis$80,650$106,450Partially Eligible
Erath$74,750$98,650100% Eligible
Falls$74,750$98,650100% Eligible
Fannin$74,750$98,650100% Eligible
Fayette$74,750$98,650100% Eligible
Fisher$74,750$98,650100% Eligible
Floyd$74,750$98,650100% Eligible
Foard$74,750$98,650100% Eligible
Fort Bend$76,900$101,500Partially Eligible
Franklin$74,750$98,650100% Eligible
Freestone$74,750$98,650100% Eligible
Frio$74,750$98,650100% Eligible
Gaines$74,750$98,650100% Eligible
Galveston$76,900$101,500Partially Eligible
Garza$74,750$98,650100% Eligible
Gillespie$76,700$101,250100% Eligible
Glasscock$74,750$98,650100% Eligible
Goliad$74,750$98,650100% Eligible
Gonzales$74,750$98,650100% Eligible
Gray$74,750$98,650100% Eligible
Grayson$74,750$98,650Partially Eligible
Gregg$74,750$98,650Partially Eligible
Grimes$74,750$98,650100% Eligible
Guadalupe$74,750$98,650Partially Eligible
Hale$74,750$98,650100% Eligible
Hall$74,750$98,650100% Eligible
Hamilton$74,750$98,650100% Eligible
Hansford$74,750$98,650100% Eligible
Hardeman$74,750$98,650100% Eligible
Hardin$74,750$98,650100% Eligible
Harris$76,900$101,500Partially Eligible
Harrison$74,750$98,650Partially Eligible
Hartley$86,600$106,450100% Eligible
Haskell$74,750$98,650100% Eligible
Hays$87,250$115,150Partially Eligible
Hemphill$74,750$98,650100% Eligible
Henderson$74,750$98,650100% Eligible
Hidalgo$74,750$98,650Partially Eligible
Hill$74,750$98,650100% Eligible
Hockley$74,750$98,650100% Eligible
Hood$80,300$106,000100% Eligible
Hopkins$74,750$98,650100% Eligible
Houston$74,750$98,650100% Eligible
Howard$74,750$98,650100% Eligible
Hudspeth$74,750$98,650100% Eligible
Hunt$80,650$106,450Partially Eligible
Hutchinson$74,750$98,650100% Eligible
Irion$74,750$98,650100% Eligible
Jack$74,750$98,650100% Eligible
Jackson$74,750$98,650100% Eligible
Jasper$74,750$98,650100% Eligible
Jeff Davis$74,750$98,650100% Eligible
Jefferson$74,750$98,650Partially Eligible
Jim Hogg$74,750$98,650100% Eligible
Jim Wells$74,750$98,650100% Eligible
Johnson$79,550$105,000Partially Eligible
Jones$74,750$98,650Partially Eligible
Karnes$74,750$98,650100% Eligible
Kaufman$80,650$106,450Partially Eligible
Kendall$93,450$123,350100% Eligible
Kenedy$74,750$98,650100% Eligible
Kent$74,750$98,650100% Eligible
Kerr$74,750$98,650100% Eligible
Kimble$74,750$98,650100% Eligible
King$74,750$98,650100% Eligible
Kinney$74,750$98,650100% Eligible
Kleberg$74,750$98,650Partially Eligible
Knox$74,750$98,650100% Eligible
La Salle$74,750$98,650100% Eligible
Lamar$74,750$98,650Partially Eligible
Lamb$74,750$98,650100% Eligible
Lampasas$74,750$98,650100% Eligible
Lavaca$74,750$98,650100% Eligible
Lee$74,750$98,650100% Eligible
Leon$74,750$98,650100% Eligible
Liberty$76,900$101,500100% Eligible
Limestone$74,750$98,650100% Eligible
Lipscomb$74,750$98,650100% Eligible
Live Oak$74,750$98,650100% Eligible
Llano$74,750$98,650100% Eligible
Loving$90,500$119,450100% Eligible
Lubbock$74,750$98,650Partially Eligible
Lynn$74,750$98,650100% Eligible
Madison$74,750$98,650100% Eligible
Marion$74,750$98,650100% Eligible
Martin$74,750$98,650100% Eligible
Mason$74,750$98,650100% Eligible
Matagorda$74,750$98,650100% Eligible
Maverick$74,750$98,650100% Eligible
Mcculloch$74,750$98,650100% Eligible
Mclennan$74,750$98,650Partially Eligible
Mcmullen$74,750$98,650100% Eligible
Medina$74,750$98,650100% Eligible
Menard$74,750$98,650100% Eligible
Midland$76,900$101,500Partially Eligible
Milam$74,750$98,650100% Eligible
Mills$74,750$98,650100% Eligible
Mitchell$74,750$98,650100% Eligible
Montague$74,750$98,650100% Eligible
Montgomery$76,900$101,500Partially Eligible
Moore$74,750$98,650100% Eligible
Morris$74,750$98,650100% Eligible
Motley$74,750$98,650100% Eligible
Nacogdoches$74,750$98,650Partially Eligible
Navarro$74,750$98,650Partially Eligible
Newton$74,750$98,650100% Eligible
Nolan$74,750$98,650100% Eligible
Nueces$74,750$98,650Partially Eligible
Ochiltree$74,750$98,650100% Eligible
Oldham$74,750$98,650100% Eligible
Orange$74,750$98,650Partially Eligible
Palo Pinto$74,750$98,650100% Eligible
Panola$74,750$98,650100% Eligible
Parker$79,550$105,000Partially Eligible
Parmer$74,750$98,650100% Eligible
Pecos$74,750$98,650100% Eligible
Polk$74,750$98,650100% Eligible
Potter$74,750$98,650Partially Eligible
Presidio$74,750$98,650100% Eligible
Rains$74,750$98,650100% Eligible
Randall$74,750$98,650Partially Eligible
Reagan$74,750$98,650100% Eligible
Real$74,750$98,650100% Eligible
Red River$74,750$98,650100% Eligible
Reeves$74,750$98,650100% Eligible
Refugio$74,750$98,650100% Eligible
Roberts$81,500$107,600100% Eligible
Robertson$74,750$98,650100% Eligible
Rockwall$80,650$106,450Partially Eligible
Runnels$74,750$98,650100% Eligible
Rusk$74,750$98,650100% Eligible
Sabine$74,750$98,650100% Eligible
San Augustine$74,750$98,650100% Eligible
San Jacinto$76,900$101,500100% Eligible
San Patricio$74,750$98,650Partially Eligible
San Saba$74,750$98,650100% Eligible
Schleicher$74,750$98,650100% Eligible
Scurry$74,750$98,650100% Eligible
Shackelford$74,750$98,650100% Eligible
Shelby$74,750$98,650100% Eligible
Sherman$74,750$98,650100% Eligible
Smith$74,750$98,650Partially Eligible
Somervell$78,650$103,800100% Eligible
Starr$74,750$98,650100% Eligible
Stephens$74,750$98,650100% Eligible
Sterling$74,750$98,650100% Eligible
Stonewall$74,750$98,650100% Eligible
Sutton$74,750$98,650100% Eligible
Swisher$74,750$98,650100% Eligible
Tarrant$79,550$105,000Partially Eligible
Taylor$74,750$98,650Partially Eligible
Terrell$74,750$98,650100% Eligible
Terry$74,750$98,650100% Eligible
Throckmorton$74,750$98,650100% Eligible
Titus$74,750$98,650100% Eligible
Tom Green$74,750$98,650Partially Eligible
Travis$87,250$115,150Partially Eligible
Trinity$74,750$98,650100% Eligible
Tyler$74,750$98,650100% Eligible
Upshur$74,750$98,650100% Eligible
Upton$74,750$98,650100% Eligible
Uvalde$74,750$98,650100% Eligible
Val Verde$74,750$98,650Partially Eligible
Van Zandt$74,750$98,650100% Eligible
Victoria$74,750$98,650Partially Eligible
Walker$74,750$98,650Partially Eligible
Waller$76,900$101,500100% Eligible
Ward$74,750$98,650100% Eligible
Washington$74,750$98,650100% Eligible
Webb$74,750$98,650Partially Eligible
Wharton$74,750$98,650100% Eligible
Wheeler$74,750$98,650100% Eligible
Wichita$74,750$98,650Partially Eligible
Wilbarger$74,750$98,650100% Eligible
Willacy$74,750$98,650100% Eligible
Williamson$87,250$115,150Partially Eligible
Wilson$74,750$98,650100% Eligible
Winkler$74,750$98,650100% Eligible
Wise$77,250$101,950100% Eligible
Wood$74,750$98,650100% Eligible
Yoakum$74,750$98,650100% Eligible
Young$74,750$98,650100% Eligible
Zapata$74,750$98,650100% Eligible
Zavala$74,750$98,650100% Eligible