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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