USDA loan guide

Zero down, outside the city.

USDA loans offer 100% financing for eligible rural and suburban homebuyers. Many communities around San Antonio qualify.

Apply Now Check the eligibility map
Overview

What is a USDA loan?

A USDA loan is a mortgage backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas, with no down payment.

Despite the name, you don't need to buy a farm. Many suburban communities near San Antonio and other Texas cities qualify, and the program has some of the most affordable terms in the market.

Down payment
0%
Credit score
Typically 640+
Income limit
Up to 115% of area median
Location
USDA-eligible areas
Loan term
30-year fixed
Benefits

Why choose a USDA loan?

Zero down

One of only two zero-down programs available.

Low guarantee fees

1.0% upfront and 0.35% annual, lower than FHA mortgage insurance.

Suburban living

Many areas just outside major Texas cities qualify.

Seller concessions

Sellers can contribute toward your closing costs.

Borrower requirements

  • U.S. citizen, permanent resident, or qualified non-citizen
  • Household income at or below 115% of area median
  • Stable, documented income
  • Debt-to-income generally at or below 41%

Property requirements

  • Located in a USDA-eligible area
  • Your primary residence
  • Not an income-producing property
  • Meets USDA property standards
Texas eligible areas

Popular areas near San Antonio.

Eligibility maps change, so always check the specific address. I'm happy to check it for you.

  • Seguin, Floresville, Pleasanton, Poteet, Jourdanton, Bandera
  • New Braunfels and Boerne (some areas)
  • Hill Country: Fredericksburg, Kerrville, Johnson City
  • Central Texas: Lockhart, Luling, Gonzales, Cuero
Ready when you are

Ready to explore USDA financing?

Send me the address and I'll check if it qualifies.

Apply Now Book a Discovery Call