USDA Loans in Texas | Fast Close Mortgage

USDA Loans in Texas — 2026 Limits & How to Apply

Looking for USDA Loans in Texas? Fast Close Mortgage is a Texas-licensed mortgage lender offering usda loans with closing timelines as fast as 7 days. Whether you’re in Houston, Austin, or anywhere else in Texas, our team can help you get approved quickly and close on a competitive usda loans rate. Texas has extensive USDA-eligible territory outside major metros. East TX, the Hill Country, and the Panhandle all have USDA-eligible counties. Texas USDA loan limits reach $1,209,750 in high-cost counties.

2026 USDA Loans Loan Limits in Texas

USDA loans in Texas are limited to eligible rural and suburban areas. The 2026 USDA loan limit in Texas is $359,058 in most eligible counties and up to $786,750 in higher-cost counties. To check if a specific Texas property is USDA-eligible, use the USDA eligibility map at eligibility.sc.egov.usda.gov.

USDA loans offer 100% financing (no down payment required) for eligible Texas buyers. The income limit is typically 115% of the area median income, which varies by county. Texas has extensive USDA-eligible territory outside major metros. East TX, the Hill Country, and the Panhandle all have USDA-eligible counties. Texas USDA loan limits reach $1,209,750 in high-cost counties.

What credit score do you need for USDA Loans in Texas?

The minimum credit score for USDA Loans in Texas is 640 for 0% down. Borrowers with credit scores below 640 (down to 580) can still qualify with 0% down. Most Texas lenders prefer 640+ for the best pricing.

For Texas buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. Texas buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for Texas buyers across the credit spectrum.

How fast can I close USDA Loans in Texas?

Fast Close Mortgage closes most Texas USDA loans in 14 to 28 days. USDA loans require property eligibility verification (1-3 days) and a standard appraisal. Rural Texas appraisals can add 3 to 5 days depending on the county. Our team pre-verifies USDA eligibility before ordering the appraisal to avoid delays.

Why choose Fast Close Mortgage for USDA Loans in Texas?

Fast Close Mortgage is a Texas-licensed mortgage lender offering USDA Loans with closing timelines as fast as 7 days. Here’s why Texas buyers choose us:

Licensed in all 50 states. We serve Texas buyers plus 49 other states with consistent service and pricing.
Dedicated Texas loan officer. Each Texas borrower is assigned a local loan officer who understands Texas-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most Texas USDA Loans close in 7 to 21 days, depending on the loan type.

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Texas USDA Loans FAQ

USDA-eligible areas in Texas are extensive — most of the state outside major metros is rural-eligible. East Texas, the Hill Country, the Panhandle, and rural Central Texas are all USDA-eligible. Major metros (Houston, Dallas, San Antonio, Austin) are USDA-ineligible. Use the USDA eligibility map at eligibility.sc.egov.usda.gov to check a specific address.

The 2026 USDA loan limit in Texas is $359,750 in most eligible counties and up to $1,209,750 in high-cost counties. Texas has the largest USDA-eligible land mass of any state, with many rural counties offering 100% financing.

Yes — USDA loans in Texas can finance manufactured homes that meet USDA standards (permanent foundation, HUD data plate, eligible land). Many rural Texas counties are USDA-eligible for manufactured homes. TX manufactured homes are popular in ranch and rural areas.

Fast Close Mortgage closes most USDA loans in Texas in 14 to 28 days. USDA loans require a property eligibility verification and a standard appraisal. Texas has a deep network of USDA-approved lenders and appraisers.

USDA loans in Texas require a minimum credit score of 640 for most lenders, though we work with lenders who accept 580+ with compensating factors. TX USDA buyers also need to meet income limits (typically 115% of area median income).

2026 USDA Loans limits in Texas

$2,000,000 statewide. Texas has the highest VA loan volume of any state.

What credit score do you need for USDA Loans in Texas?

620 minimum for 0% down VA loan; lenders often prefer 660+ for best pricing.

How fast can I close USDA Loans in Texas?

14–21 days for most Texas VA loans. VA appraisal + NOV adds 1–2 weeks.

Why choose Fast Close Mortgage for USDA Loans in Texas?

Fast Close Mortgage is Texas-licensed; we work with VA-approved appraisers statewide.

USDA Loans FAQ

Who qualifies for USDA loans?

Homebuyers in eligible rural areas with income at or below 115% of area median income.

Do USDA loans require 0% down?

Yes. USDA Rural Development loans are 100% financing.

What is the USDA guarantee fee?

1.00% upfront + 0.35% annual for most loans in 2026. Annual fee can be rolled into the loan balance.

How do I know if my property is USDA-eligible?

Use the USDA eligibility map at eligibility.sc.egov.usda.gov. The address must be in an eligible rural area.

Other states

Fast Close Mortgage is licensed in Texas and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.