USDA Loans in Texas

USDA LOAN BENEFITS IN TEXAS
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

USDA LOAN ELIGIBILITY IN TEXAS
If you are searching for a home in Texas and are looking for a USDA Loan eligible area, you will be pleasantly surprised with the options available. Although the metro areas with heavy populations will not qualify, there are many cities and communities that are eligible for a USDA Loan.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Texas.

Income Limits for Texas

County Name Family Size 1-4 Family Size 5-8
Anderson $75,650 $99,850
Andrews $75,650 $99,850
Angelina $75,650 $99,850
Aransas $75,650 $99,850
Archer $75,650 $99,850
Armstrong $75,650 $99,850
Atascosa $75,650 $99,850
Austin $77,650 $102,500
Bailey $75,650 $99,850
Bandera $75,650 $99,850
Bastrop $88,350 $116,600
Baylor $75,650 $99,850
Bee $75,650 $99,850
Bell $75,650 $99,850
Bexar $75,650 $99,850
Blanco $77,200 $101,900
Borden $75,650 $99,850
Bosque $75,650 $99,850
Bowie $75,650 $99,850
Brazoria $92,350 $121,900
Brazos $75,650 $99,850
Brewster $75,650 $99,850
Briscoe $75,650 $99,850
Brooks $75,650 $99,850
Brown $75,650 $99,850
Burleson $75,650 $99,850
Burnet $75,650 $99,850
Caldwell $88,350 $116,600
Calhoun $75,650 $99,850
Callahan $75,650 $99,850
Cameron $75,650 $99,850
Camp $75,650 $99,850
Carson $75,650 $99,850
Cass $75,650 $99,850
Castro $75,650 $99,850
Chambers $79,700 $105,200
Cherokee $75,650 $99,850
Childress $75,650 $99,850
Clay $75,650 $99,850
Cochran $75,650 $99,850
Coke $75,650 $99,850
Coleman $75,650 $99,850
Collin $80,150 $105,800
Collingsworth $75,650 $99,850
Colorado $75,650 $99,850
Comal $75,650 $99,850
Comanche $75,650 $99,850
Concho $75,650 $99,850
Cooke $75,650 $99,850
Coryell $75,650 $99,850
Cottle $75,650 $99,850
Crane $75,650 $99,850
Crockett $75,650 $99,850
Crosby $75,650 $99,850
Culberson $75,650 $99,850
Dallam $75,650 $99,850
Dallas  $80,150 $105,800
Dawson $75,650 $99,850
Deaf Smith $75,650 $99,850
Delta $80,150 $105,800
Denton $80,150 $105,800
DeWitt $75,650 $99,850
Dickens $75,650 $99,850
Dimmit $75,650 $99,850
Donley $75,650 $99,850
Duval $75,650 $99,850
Eastland $75,650 $99,850
Ector $75,650 $99,850
Edwards $75,650 $99,850
El Paso $75,650 $99,850
Ellis $80,150 $105,800
Erath $75,650 $99,850
Falls $75,650 $99,850
Fannin $75,650 $99,850
Fayette $75,650 $99,850
Fisher $75,650 $99,850
Floyd $75,650 $99,850
Foard $75,650 $99,850
Fort Bend $79,700 $105,200
Franklin $75,650 $99,850
Freestone $75,650 $99,850
Frio $75,650 $99,850
Gaines $75,650 $99,850
Galveston $79,700 $105,200
Garza $75,650 $99,850
Gillespie $77,050 $101,700
Glasscock $80,150 $105,800
Goliad $75,650 $99,850
Gonzales $75,650 $99,850
Gray $75,650 $99,850
Grayson $75,650 $99,850
Gregg $75,650 $99,850
Grimes $75,650 $99,850
Guadalupe $75,650 $99,850
Hale $75,650 $99,850
Hall $75,650 $99,850
Hamilton $75,650 $99,850
Hansford $75,650 $99,850
Hardeman $75,650 $99,850
Hardin $75,650 $99,850
Harris $79,700 $105,200
Harrison $75,650 $99,850
Hartley $90,850 $119,900
Haskell $75,650 $99,850
Hays $88,350 $116,600
Hemphill $79,350 $104,750
Henderson $75,650 $99,850
Hidalgo $75,650 $99,850
Hill $75,650 $99,850
Hockley $75,650 $99,850
Hood $80,300 $106,000
Hopkins $75,650 $99,850
Houston $75,650 $99,850
Howard $75,650 $99,850
Hudspeth $75,650 $99,850
Hunt $80,150 $105,800
Hutchinson $75,650 $99,850
Irion $75,650 $99,850
Jack $75,650 $99,850
Jackson $75,650 $99,850
Jasper $75,650 $99,850
Jeff Davis $75,650 $99,850
Jefferson $75,650 $99,850
Jim Hogg $75,650 $99,850
Jim Wells $75,650 $99,850
Johnson $80,150 $105,800
Jones $75,650 $99,850
Karnes $75,650 $99,850
Kaufman $80,150 $105,800
Kendall $94,600 $124,850
Kenedy $75,650 $99,850
Kent $75,650 $99,850
Kerr $75,650 $99,850
Kimble $75,650 $99,850
King $75,650 $99,850
Kinney $75,650 $99,850
Kleberg $75,650 $99,850
Knox $75,650 $99,850
La Salle $75,650 $99,850
Lamar $75,650 $99,850
Lamb $75,650 $99,850
Lampasas $75,650 $99,850
Lavaca $75,650 $99,850
Lee $75,650 $99,850
Leon $75,650 $99,850
Liberty $79,700 $105,200
Limestone $75,650 $99,850
Lipscomb $75,650 $99,850
Live Oak $75,650 $99,850
Llano $75,650 $99,850
Loving $91,200 $120,400
Lubbock $75,650 $99,850
Lynn $75,650 $99,850
Madison $75,650 $99,850
Marion $75,650 $99,850
Martin $75,650 $99,850
Mason $75,650 $99,850
Matagorda $75,650 $99,850
Maverick $75,650 $99,850
McCulloch $75,650 $99,850
McLennan $75,650 $99,850
McMullen $75,650 $99,850
Medina $75,650 $99,850
Menard $75,650 $99,850
Midland $83,150 $109,750
Milam $75,650 $99,850
Mills $75,650 $99,850
Mitchell $75,650 $99,850
Montague $75,650 $99,850
Montgomery $79,700 $105,200
Moore $75,650 $99,850
Morris $75,650 $99,850
Motley $75,650 $99,850
Nacogdoches $75,650 $99,850
Navarro $75,650 $99,850
Newton $75,650 $99,850
Nolan $75,650 $99,850
Nueces $75,650 $99,850
Ochiltree $75,650 $99,850
Oldham $75,650 $99,850
Orange $75,650 $99,850
Palo Pinto $75,650 $99,850
Panola $75,650 $99,850
Parker $80,150 $105,800
Parmer $75,650 $99,850
Pecos $75,650 $99,850
Polk $75,650 $99,850
Potter $75,650 $99,850
Presidio $75,650 $99,850
Rains $75,650 $99,850
Randall $75,650 $99,850
Reagan $75,650 $99,850
Real $75,650 $99,850
Red River $75,650 $99,850
Reeves $75,650 $99,850
Refugio $75,650 $99,850
Roberts $86,100 $113,650
Robertson $75,650 $99,850
Rockwall $80,150 $105,800
Runnels $75,650 $99,850
Rusk $75,650 $99,850
Sabine $75,650 $99,850
San Augustine $75,650 $99,850
San Jacinto $79,700 $105,200
San Patricio $75,650 $99,850
San Saba $75,650 $99,850
Schleicher $75,650 $99,850
Scurry $75,650 $99,850
Shackelford $75,650 $99,850
Shelby $75,650 $99,850
Sherman $75,650 $99,850
Smith $75,650 $99,850
Somervell $78,650 $103,800
Starr $75,650 $99,850
Stephens $75,650 $99,850
Sterling $75,650 $99,850
Stonewall $75,650 $99,850
Sutton $75,650 $99,850
Swisher $75,650 $99,850
Tarrant $80,150 $105,800
Taylor $75,650 $99,850
Terrell $75,650 $99,850
Terry $75,650 $99,850
Throckmorton $75,650 $99,850
Titus $75,650 $99,850
Tom Green $75,650 $99,850
Travis $88,350 $116,600
Trinity $75,650 $99,850
Tyler $75,650 $99,850
Upshur $75,650 $99,850
Upton $75,650 $99,850
Uvalde $75,650 $99,850
Val Verde $75,650 $99,850
Van Zandt $75,650 $99,850
Victoria $75,650 $99,850
Walker $75,650 $99,850
Waller $79,700 $105,200
Ward $75,650 $99,850
Washington $75,650 $99,850
Webb $75,650 $99,850
Wharton $75,650 $99,850
Wheeler $75,650 $99,850
Wichita $75,650 $99,850
Wilbarger $75,650 $99,850
Willacy $75,650 $99,850
Williamson $88,350 $116,600
Wilson $75,650 $99,850
Winkler $75,650 $99,850
Wise $80,950 $106,850
Wood $75,650 $99,850
Yoakum $75,650 $99,850
Young $75,650 $99,850
Zapata $75,650 $99,850
Zavala $75,650 $99,850
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