USDA Home Loans in Texas
Zero Down Payment for Eligible Texas Properties.
USDA loans offer 100% financing — no down payment required — for eligible properties in rural and suburban areas of Texas. Many people are surprised to learn that USDA-eligible areas include communities within commuting distance of Austin, including Elgin, Cedar Creek, Manor, Bastrop, and many others. If you're looking to buy a home outside the city core, a USDA loan could save you tens of thousands of dollars in upfront costs. Austin Dell'Abate has helped numerous Texas families secure USDA financing when they didn't even know they qualified.
Key Benefits
Loan Requirements at a Glance
Frequently Asked Questions
What Texas cities near Austin are USDA-eligible?
Many communities near Austin qualify, including Elgin, Cedar Creek, Bastrop, Lockhart, Luling, Georgetown (some areas), Hutto, Taylor, and others. We can check your specific address instantly.
Is there an income limit for USDA loans?
Yes. Household income must generally not exceed 115% of the area median income. For the Austin area, this is typically around $110,000–$130,000 for a family of four, but limits vary by county.
Can I use a USDA loan to buy a manufactured home?
Yes, USDA loans can be used for certain manufactured homes that meet program requirements, in addition to single-family homes.
How do I know if a property is USDA-eligible?
Call us at 512-825-7007 and we can check any Texas address for USDA eligibility instantly. Many borrowers are surprised to find their target property qualifies.
USDA Loans Texas — Cities We Serve
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