Loan Program
USDA Loans
Zero down, on more of the map than most buyers realize.
Overview
What this program is for.
USDA financing allows eligible buyers to purchase with no down payment in designated areas. The common mistake is assuming “rural” means remote. Large parts of the outer ring around Dallas and Fort Worth are eligible.
The property address and your household income are checked against the program limits before you fall in love with a house that does not qualify.
Highlights
USDA Loans at a glance.
0% down
No down payment for eligible borrowers on eligible properties.
Address checked first
Eligibility confirmed on the specific address, not a guess.
Income limits
Household income tested against the program limits up front.
Shown side by side
USDA compared against FHA, VA and conventional before you commit.
How It Runs
The same four steps, every file.
01. Pre-Approval
A real pre-approval tells you your range, makes your offer credible to a listing agent, and sets the file up to move fast.
02. Loan Application
A defined document list, given to you once and up front, not drip fed as a series of surprise requests.
03. Underwriting
Your file is reviewed and conditions are cleared as they come in. You are told where it stands rather than left guessing.
04. Closing
Documents are drawn and sent to the title company, and you sign. Closing on time is the commitment.
Also Consider
Related programs.
First-Time Buyers
A real pre-approval, and someone who explains every decision before you have to make it.
Learn more →Conventional Loans
The standard on most Texas purchases, and often the cheapest once you have equity or strong credit.
Learn more →FHA Loans
Lower down payment and more forgiving credit guidelines, backed by the federal government.
Learn more →
