If you’re buying a home in Texas, a USDA loan might be one of the best-kept secrets in mortgage financing. Designed to promote homeownership in rural and certain suburban areas, USDA loans offer zero down payment options, competitive interest rates, and flexible credit requirements.

Unlike conventional loans, USDA loans are backed by the U.S. Department of Agriculture, making them an attractive choice for buyers who qualify based on location and income limits. Many Texans are surprised to learn that eligibility extends beyond strictly rural areas, some fast-growing suburbs may also qualify.

Your home must be located in a designated USDA rural area. You can check the USDA Eligibility of your property by county using the official USDA tool here: Single Family Housing Eligibility Assessment.

Whether you’re a first-time buyer or looking to relocate, a USDA loan could save you thousands in upfront costs and interest over the life of your mortgage.