Houston USDA Loans

Houston, TX

Up to 100% Financing

Houston USDA Loans

100% Financing - True Zero Down

Houston USDAAre you purchasing a rural home around Houston?  There are a lot of USDA eligible areas in and around Houston, TX.  You can check property eligibility at USDA.gov/eligibility for the USDA rural development loan program in your area. 

The US Department of Agriculture created the rural development home loan (also known as the “USDA guaranteed loan” or “USDA rural housing loan”) to help promote home ownership for lower and middle income households. USDA loans are mortgages to help assist lower income families to purchase a home in a rural area.  

Buying a home in rural area around Houston?  Give us a call and we can help you decide if your new home qualifies for a Texas USDA loan

  • No Down Payment – USDA loans 100% Financing
  • Finance Your Closing Costs – Or include the closing costs in mortgage.
  • Lower Income OK – USDA loans were created to help lower and middle income households.
  • Lower Mortgage Insurance – The monthly mortgage insurance on USDA loans, called the “guarantee fee” is lower than FHA Loans.
  • Fixed Interest Rates – All USDA home loans are provided on a fixed mortgage rate. 

About Houston USDA Mortgages

Why Choose Us?
It's Our People!
Jimmy Smith Loan Officer

Jimmy Smith

Loan Officer
NMLS #2038961

Texas mortgage loans

Shella Hendricks

Loan Officer
NMLS #2428695

Texas home mortgage

Eric Brown
Loan Officer

NMLS #2253802

Paul Duane

Paul Duane

Sr. Loan Officer
NMLS #330193

TX Mortgage Company

Ryan Collins

Production Support

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Houston, TX USDA Loans

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USDA Loans – Things to Know  

  • Credit Requirements – A minimum credit score of 580 required for most retail USDA loans, but you will likely need a 620 credit score depending on how your loan is structured.  If your credit is below a 640, you may be able to get an exception (however, it will require a manual approval by an underwriter).  An exception is usually made if you have compensating factors
  • Income Limits –  To qualify for a USDA Loan in Houston, total household income can’t be  more than 115% of the median average income. Houston, TX (Harris County), income calculator USDA income limits calculator.
  • Owner Occupied – Our Houston USDA loans are only available for owner occupied properties.  
  • Guarantee Fee – All USDA loans require you to pay two different guarantee fees (which is basically the same as mortgage insurance).  This includes an upfront guarantee fee of 1%, and an annual guarantee fee of .35% (which is added to your monthly payment).  
Houston TX USDA Loans

How USDA loan programs work

Loan guarantees: The USDA guarantees a mortgage issued by a participating local lender — similar to other government loans like USDA and VA loans. If you put little or no money down, you will have to pay mortgage insurance premium. 

Direct loans: These are direct loans issued by the USDA, these mortgages are for low- and very low-income applicants. Income thresholds vary by which area of Houston (Texas) your property is located. In some areas subsidies, interest rates can be as low as 1%.

Applicants with credit scores 620 or higher receive streamlined processing and underwriting.  Below 640 FICO and you must meet more stringent underwriting conditions. 

Lone Star Financing – Houston, TX USDA Lender –  Low Rates. Low Fees. Fast Closings.  Buying or Refinancing in Houston?  We’ve got you covered!

USDA Rates

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USDA Loans

100% financing rural properties, Houston, TX

Minimum FICO Credit Score


Minimum Down Payment


Maximum Loan To Value


Maximum Debt To Income


Except Onse To 45%

Mortgage Insurance


Years Since Bankcruptcy


Years Since Foreclosure


Years Since Short Sale


Special Qualification Requirements

USDA "Rural"
Property Loan