What is a USDA mortgage
A USDA loan is a government-backed mortgage program offered through the U.S. Department of Agriculture. It is designed for buyers purchasing a primary residence in eligible rural and suburban areas. USDA loans focus on affordability and may allow qualified buyers to purchase a home with no down payment.
Why homebuyers choose USDA loans
- Zero down payment (100% financing)
- Lower mortgage insurance compared to many loan programs
- Competitive interest rates
- Flexible credit guidelines (subject to approval)
- Designed to support affordable homeownership
Who USDA loans are for
USDA loans may be a good fit if you are:
- A first-time homebuyer or repeat buyer
- Purchasing a primary residence
- Buying in an eligible USDA area
- Within USDA household income limits
- Looking for a zero-down mortgage option
USDA property eligibility
USDA loans are available only in designated areas based on location—not farming activity. Many suburban and small-town areas qualify. Property eligibility is determined by the USDA property eligibility map.
- Single-family homes
- Townhomes and approved condominiums
- New construction or existing homes
USDA income requirements
USDA loans have household income limits based on the number of people living in the home and the property location. Income from all adult household members may be counted. We review your full household income to confirm eligibility.
USDA loan basics
- Primary residence only
- Zero down payment
- Upfront and monthly USDA guarantee fees apply
- Standard underwriting and documentation required
USDA loan FAQs
Do USDA loans require a down payment?
No. USDA loans allow 100% financing for eligible borrowers.
Are USDA loans only for farms?
No. USDA loans are for primary residences in eligible rural or suburban areas, not agricultural properties.
Do USDA loans have income limits?
Yes. USDA loans have household income limits based on location and household size. All household income may be counted.
Can self-employed borrowers qualify for USDA loans?
Yes. Self-employed borrowers may qualify with standard income documentation and USDA eligibility requirements.
How long does a USDA loan take to close?
USDA loans often take slightly longer than conventional loans due to USDA review, but many close within 30–45 days.
USDA loans in Lewisville TX
Liberty Home Mortgage helps buyers throughout Lewisville TX (75056), Denton County, and nearby eligible Texas communities determine USDA eligibility and complete the loan process step by step.
Liberty Home Mortgage
📍 Lewisville, TX 75056
📞 Phone & Text: 713-955-4685
✉️ info@libertyhomemortgage.com
🌐 www.libertyhomemortgage.com
✅ Apply Now
Equal Housing Lender • Company NMLS: 321164 • Aslam Mansoor NMLS: 184238
Liberty Home Mortgage • 4400 State Hwy 121 STE 300 • Lewisville, TX 75056