Texas Mortgage Lending, powered by CUTX

Texas USDA Mortgage Loans

Explore USDA home loans in Texas for eligible rural areas. This government-backed option may help qualified buyers purchase or build a primary residence with zero down payment and a 30-year fixed rate structure.

USDA financing is designed for eligible borrowers who want affordable homeownership support in qualifying rural communities, with program features that can help keep upfront costs lower.

A happy young girl skipping in the yard, holding her mom's and dad's hands

Texas USDA Loan Requirements and Features

USDA mortgage loans may help eligible Texas buyers purchase or build in qualifying rural areas with zero down payment, a 30-year fixed rate structure, and a low monthly guarantee fee. Review the core program details below, including income limits, occupancy rules, credit guidance, and eligible property uses.

Who a Texas USDA Mortgage May Fit

A USDA mortgage may be worth exploring if your home search extends beyond densely populated areas and you want a program built around affordability. Rather than serving every buyer, this option tends to make the most sense when your location, income, and occupancy plans line up with USDA guidelines.

Buyers looking at eligible rural communities in Texas
If the home is in a qualifying area, USDA financing may offer a zero-down option that is not available with many other mortgage options.
Households trying to keep upfront cash needs lower
A USDA loan may help when saving for a large down payment is a challenge, but the household still wants to move toward homeownership.
Borrowers who want a fixed-rate structure
The 30-year fixed-rate format may appeal to buyers who prefer stable payments over time rather than an adjustable-rate structure.
Homebuyers planning to live in the property full-time
USDA is geared toward primary-residence homeownership, not income-producing properties or second-home use.

A family of four, with their dog, laughing and playing with a soccer ball

Zero-Down Financing for Eligible Texas Areas

USDA loans may let eligible buyers purchase or build with no down payment in qualifying rural parts of Texas.

Start Today!

Income Eligibility for USDA Loans

Household income limits, property location, and borrower eligibility all matter with USDA financing, so an early review can save time.

We'll help see if you qualify

Built for Primary-Residence Homeownership

USDA loans are intended for buyers who plan to personally occupy the home as their primary residence.

Lets Talk Through the Details

30-Year Fixed Structure for Predictable Payments

USDA Section 502 Guaranteed Loans are offered as 30-year fixed-rate loans, which can support steadier monthly planning.

Ask a Specialist

Low Monthly Guarantee Fee Is Part of the Program

USDA loans include a low monthly guarantee fee, calculated on principal balance.

Connect with us

Some Purchase Costs May Be Included

Closing costs and reasonable customary purchase-related expenses may be included in the transaction.

Start the Conversation

NMLS #1641703 Texas Mortgage Lending's home loan programs are only available in Texas. Loans are subject to credit approval, Texas Mortgage Lending's loan policies, and property approval. Terms, conditions and traditional closing costs may apply. A typical 30-year conforming $300,000 loan with a fixed rate of 6.00% (6.280% APR) would have 360 monthly principal and interest payments of $1,798.65. Monthly payments do not include taxes and insurance and the actual payment obligation will be greater. Credit Union of Texas Membership required.

Title Goes Here