Texas USDA Direct Loans are a 100% financing mortgage program available for low income applicants to purchase homes in rural areas. Unlike Guaranteed USDA Loans, Direct Loan applicants must have low or very low income to qualify in TX.

View All USDA Direct Loan Limits (low income only)
View USDA Direct Loan Income Limits
 
(low income only)
View All USDA Loan Limits (low or moderate income)
View All USDA Loan Income Limits 
(low or moderate income)
USDA Loan Programs
USDA Loan Requirements

Direct Loans are not as popular as USDA Guaranteed Loans, which accommodate a broader range of borrower qualifications. USDA Rural Development sets specific maximum loan limits for Direct Loans in Texas. Search for maximum loan limits for your area below.

Texas USDA Direct Loan Limits

Area
Direct Loan Limit
Anderson $128,300
Andrews $140,600
Angelina $136,800
Aransas $162,000
Archer $153,100
Armstrong $160,000
Atascosa $148,000
Austin $159,700
Bailey $139,900
Bandera $133,000
Bastrop $152,200
Baylor $145,200
Bee $140,000
Bell $158,100
Bexar $160,000
Blanco $153,200
Borden $124,100
Bosque $159,700
Bowie $138,600
Brazoria $161,800
Brazos $170,000
Brewster $135,200
Briscoe $154,100
Brooks $140,400
Brown $143,100
Burleson $157,800
Burnet $148,200
Caldwell $152,700
Calhoun $143,800
Callahan $142,200
Cameron $138,300
Camp $137,500
Carson $160,000
Cass $135,200
Castro $158,000
Chambers $147,000
Cherokee $132,500
Childress $155,100
Clay $146,500
Cochran $139,900
Coke $134,400
Coleman $130,800
Collin $181,700
Collingsworth $158,000
Colorado $154,100
Comal $167,000
Comanche $134,200
Concho $134,400
Cooke $143,900
Coryell $159,700
Cottle $140,200
Crane $128,100
Crockett $138,900
Crosby $144,900
Culberson $136,100
Dallam $157,000
Dallas $161,700
Dawson $128,100
Deaf Smith $164,000
Delta $133,000
Denton $172,700
DeWitt $143,800
Dickens $139,900
Dimmit $146,500
Donley $154,100
Duval $141,700
Eastland $139,200
Ector $143,100
Edwards $137,800
El Paso $146,800
Ellis $170,700
Erath $153,700
Falls $158,400
Fannin $161,600
Fayette $152,200
Fisher $137,800
Floyd $139,900
Foard $140,200
Fort Bend $166,600
Franklin $136,000
Freestone $149,900
Frio $149,200
Gaines $128,100
Galveston $159,000
Garza $139,900
Gillespie $182,500
Glasscock $167,400
Goliad $138,800
Gonzales $145,200
Gray $161,000
Grayson $172,900
Gregg $144,000
Grimes $165,300
Guadalupe $165,800
Hale $160,000
Hall $154,100
Hamilton $163,300
Hansford $159,000
Hardeman $139,300
Hardin $144,000
Harris $167,900
Harrison $148,100
Hartley $161,000
Haskell $138,500
Hays $158,700
Hemphill $162,000
Henderson $135,100
Hidalgo $140,600
Hill $174,000
Hockley $149,900
Hood $152,300
Hopkins $136,200
Houston $139,700
Howard $138,000
Hudspeth $137,900
Hunt $155,500
Hutchinson $160,000
Irion $134,400
Jack $142,800
Jackson $134,800
Jasper $136,100
Jeff Davis $141,100
Jefferson $143,800
Jim Hogg $137,100
Jim Wells $150,600
Johnson $171,600
Jones $142,200
Karnes $175,700
Kaufman $161,800
Kendall $183,300
Kenedy $157,200
Kent $136,400
Kerr $180,900
Kimble $137,400
King $139,900
Kinney $140,500
Kleberg $142,000
Knox $136,300
La Salle $149,800
Lamar $140,200
Lamb $140,000
Lampasas $155,000
Lavaca $143,800
Lee $153,100
Leon $146,800
Liberty $145,500
Limestone $147,400
Lipscomb $157,000
Live Oak $138,500
Llano $153,200
Loving $124,100
Lubbock $159,900
Lynn $139,900
Madison $148,700
Marion $140,200
Martin $124,100
Mason $137,400
Matagorda $151,300
Maverick $145,100
McCulloch $138,700
McLennan $170,800
McMullen $150,600
Medina $144,600
Menard $133,400
Midland $143,100
Milam $156,700
Mills $140,200
Mitchell $142,300
Montague $166,700
Montgomery $161,500
Moore $161,000
Morris $133,300
Motley $139,900
Nacogdoches $139,500
Navarro $149,900
Newton $134,700
Nolan $139,000
Nueces $164,600
Ochiltree $161,000
Oldham $158,000
Orange $139,000
Palo Pinto $148,700
Panola $143,200
Parker $167,700
Parmer $159,000
Pecos $138,100
Polk $136,200
Potter $165,000
Presidio $140,900
Rains $140,000
Randall $171,000
Reagan $160,600
Real $140,500
Red River $132,500
Reeves $133,100
Refugio $155,300
Roberts $159,000
Robertson $151,500
Rockwall $171,200
Runnels $131,400
Rusk $142,300
Sabine $145,000
San Augustine $143,500
San Jacinto $141,500
San Patricio $156,900
San Saba $142,300
Schleicher $133,400
Scurry $138,300
Shackelford $139,200
Shelby $134,000
Sherman $157,000
Smith $144,900
Somervell $155,400
Starr $135,500
Stephens $139,200
Sterling $159,900
Stonewall $136,400
Sutton $137,400
Swisher $158,000
Tarrant $164,500
Taylor $142,200
Terrell $118,500
Terry $139,900
Throckmorton $134,600
Titus $137,100
Tom Green $134,400
Travis $169,700
Trinity $139,700
Tyler $130,000
Upshur $147,100
Upton $128,100
Uvalde $149,400
Val Verde $145,000
Van Zandt $133,500
Victoria $140,800
Walker $150,400
Waller $151,200
Ward $139,600
Washington $160,700
Webb $129,500
Wharton $157,700
Wheeler $159,000
Wichita $153,100
Wilbarger $141,800
Willacy $130,300
Williamson $166,700
Wilson $162,200
Winkler $124,600
Wise $170,200
Wood $139,600
Yoakum $139,900
Young $151,200
Zapata $132,100
Zavala $141,800

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