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Texas USDA loan blog

Local, plain-English guidance on buying with $0 down in Texas — where the USDA-eligible areas are, how the income limits work here, and how to tell whether your address qualifies.

USDA in Texas · Aug 14, 2026

USDA-Eligible Towns Near Dallas, Houston, and Austin: Where $0-Down Still Works in Texas

Texas's big metros are USDA-ineligible, but a ring of real small towns 30 to 50 minutes out still qualifies for zero-down, and priced-out buyers are quietly using them.

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