USDA Mortgages

Designed to bring homeownership within reach for low-or-moderate income families wishing to purchase or refinance their mortgage. 


Zero-down payment option


Low mortgage rates


Low PMI (mortgage insurance)


30yr and 15yr fixed rate term options available

Understanding USDA Loans

The United States Department of Agriculture (USDA) offers a loan program for rural and suburban home buyers who meet certain income requirements. The program is designed to “improve the economy and quality of life in rural America.” With a zero-down financing option, and less stringent credit requirements, the program is designed to help low- or moderate- income borrowers buy, repair or renovate homes in rural areas.

In order to qualify for a USDA loan, borrowers must meet certain income requirements, which vary by location and depend on household size. For additional information about USDA loans and to check on property eligibility, please visit the USDA Eligibility Website or give us a call and we would be happy to help.

USDA Loan Eligibility Requirements

To qualify for a USDA home loan, loan applicants must meet the basic eligibility requirements set forth by the USDA, which cover credit, income, home location and property usage. Minimum qualifications include:


A credit score of at least 640

If you have less than perfect credit there may be flexibility within the credit eligibility requirements. For additional information please reach out to a HomeVantage mortgage banker.


Desired home must be in an eligible rural area

Fortunately for many homebuyers, the USDA’s definition of a rural area is fairly generous. Many suburban areas qualify for USDA mortgage eligibility. Check our the USDA eligibility map for the most updated list of qualifying areas.


Household income must be within limits set by the USDA

On top of the property edibility requirements, buyers must also meet the income guidelines set forth by the USDA. Income requirements vary by state and county.


Property must be your primary residence

USDA loans are designed to make it easier to obtain a loan when you might not otherwise quality. Therefor the house that you’re looking to purchase must be used as your primary residence.

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Loan Income Requirements

One of the unique features of the USDA mortgage program is the income requirements that potential homebuyers must meet in order to qualify. By design USDA loans are meant to assist low-to-moderate income homebuyers. To help accomplish this goal, the USDA sets income limits for homebuyers based on the properties location and household size. Income limits for most areas are:

Household of 1-4:  $82,700
Household of 5-8:  $109,150

It’s important to note that income requirements differ by state and county. In most areas of the country annual household income can not exceed $82,700, but in some high-cost areas of the country income limits can be as high as $209,150. If you’d like to learn more about the USDA income requirements in your area, please reach out to one of our team members.

Get started with your $0 down USDA Home Loan.

The USDA mortgage program has helped thousands of buyers achieve their dream homeownership. If you’re looking to buy or build a home in a rural or suburban area give us a call. We’re happy to walk you through the pre-qualification process to check the USDA edibility requirements in your area.


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“We used Karlton Govan when buying our home and absolutely loved him. I would recommend him to anyone looking to buy a home. He went above and beyond for us. He stayed on top of everything and always was a phone call away. Answered any questions I had and was always there to calm me down when things were stressful.”

Lorrie F.

“From the first phone call with Austin Foss, I knew I was in good hands. He is friendly, honest and efficient. The quote he gave me was accurate as far as the loan terms, the rate and bank fees. He and his team are available to you and are ready to work with you at your pace. I would definitely work with him in the future or feel free to refer someone else. Thanks a ton!!”

Christina A.

“We were first time home buyers and didnt know what to expect but Andy Moya really made us feel comfortable and was there every step of the way and was willing to go above and beyond to help us with any questions we had even after we closed on our home. would definitely recommend Andy to friends and family.”

Paul S.

Robbie was a true blessing! He was honest, communicative and informative. He answered every call, text and email with a true answer and solution. Although, I felt my situation was a bit complex, Robbie had all of the answers and made me feel as if it was a piece of cake. He held my hand throughout the entire process and even checked on me after closing. I will gladly refer my clients to him for future home purchases. Robbie is truly the best and I am forever grateful!

Angie W.


About Us
We’ve been helping customers afford the home of their dreams for many years and we love what we do.
HomeVantage Mortgage is a division of Austin Capital Bank SSB.
NMLS: 810021

Contact Us

3305 Steck Ave.
Austin, TX 78757
Phone: (512) 592-3840