USDA Guaranteed Loans are the most popular rural development mortgage program in Texas.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Texas USDA income limits playing a major role.  Guaranteed Loan income limits across TX are listed below.

Texas USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Abilene, TX MSA$75,650$99,850
Amarillo, TX HUD Metro FMR Area$75,650$99,850
Anderson County, TX$75,650$99,850
Andrews County, TX$75,650$99,850
Angelina County, TX$75,650$99,850
Aransas County, TX HUD Metro FMR Area$75,650$99,850
Atascosa County, TX HUD Metro FMR Area$75,650$99,850
Austin County, TX HUD Metro FMR Area$77,650$102,500
Austin-Round Rock, TX MSA$89,500$118,150
Bailey County, TX$75,650$99,850
Baylor County, TX$75,650$99,850
Beaumont-Port Arthur, TX HUD Metro FMR Area$75,650$99,850
Bee County, TX$75,650$99,850
Blanco County, TX$80,950$106,850
Borden County, TX$75,650$99,850
Bosque County, TX$75,650$99,850
Brazoria County, TX HUD Metro FMR Area$94,450$124,650
Brewster County, TX$75,650$99,850
Briscoe County, TX$75,650$99,850
Brooks County, TX$75,650$99,850
Brown County, TX$75,650$99,850
Brownsville-Harlingen, TX MSA$75,650$99,850
Burnet County, TX$75,650$99,850
Calhoun County, TX$75,650$99,850
Camp County, TX$75,650$99,850
Cass County, TX$75,650$99,850
Castro County, TX$75,650$99,850
Cherokee County, TX$75,650$99,850
Childress County, TX$75,650$99,850
Cochran County, TX$75,650$99,850
Coke County, TX$75,650$99,850
Coleman County, TX$75,650$99,850
College Station-Bryan, TX MSA$75,650$99,850
Collingsworth County, TX$75,650$99,850
Colorado County, TX$75,650$99,850
Comanche County, TX$75,650$99,850
Concho County, TX$75,650$99,850
Cooke County, TX$75,650$99,850
Corpus Christi, TX HUD Metro FMR Area$75,650$99,850
Cottle County, TX$75,650$99,850
Crane County, TX$75,650$99,850
Crockett County, TX$75,650$99,850
Culberson County, TX$75,650$99,850
Dallam County, TX$75,650$99,850
Dallas, TX HUD Metro FMR Area$82,450$108,850
Dawson County, TX$75,650$99,850
Deaf Smith County, TX$75,650$99,850
Delta County, TX$80,950$106,850
DeWitt County, TX$75,650$99,850
Dickens County, TX$75,650$99,850
Dimmit County, TX$75,650$99,850
Donley County, TX$75,650$99,850
Duval County, TX$75,650$99,850
Eastland County, TX$75,650$99,850
Edwards County, TX$75,650$99,850
El Paso, TX HUD Metro FMR Area$75,650$99,850
Erath County, TX$75,650$99,850
Falls County, TX HUD Metro FMR Area$75,650$99,850
Fannin County, TX$75,650$99,850
Fayette County, TX$75,650$99,850
Fisher County, TX$75,650$99,850
Floyd County, TX$75,650$99,850
Foard County, TX$75,650$99,850
Fort Worth-Arlington, TX HUD Metro FMR Area$80,150$105,800
Franklin County, TX$75,650$99,850
Freestone County, TX$75,650$99,850
Frio County, TX$75,650$99,850
Gaines County, TX$75,650$99,850
Garza County, TX$75,650$99,850
Gillespie County, TX$77,250$101,950
Glasscock County, TX$84,100$111,000
Gonzales County, TX$75,650$99,850
Gray County, TX$75,650$99,850
Grimes County, TX$75,650$99,850
Hale County, TX$75,650$99,850
Hall County, TX$75,650$99,850
Hamilton County, TX$75,650$99,850
Hansford County, TX$75,650$99,850
Hardeman County, TX$75,650$99,850
Harrison County, TX$75,650$99,850
Hartley County, TX$90,850$119,900
Haskell County, TX$75,650$99,850
Hemphill County, TX$79,350$104,750
Henderson County, TX$75,650$99,850
Hill County, TX$75,650$99,850
Hockley County, TX$75,650$99,850
Hood County, TX HUD Metro FMR Area$80,300$106,000
Hopkins County, TX$75,650$99,850
Houston County, TX$75,650$99,850
Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area$79,700$105,200
Howard County, TX$75,650$99,850
Hudspeth County, TX HUD Metro FMR Area$75,650$99,850
Hutchinson County, TX$75,650$99,850
Irion County, TX SEA$75,650$99,850
Jack County, TX$75,650$99,850
Jackson County, TX$75,650$99,850
Jasper County, TX$75,650$99,850
Jeff Davis County, TX$75,650$99,850
Jim Hogg County, TX$75,650$99,850
Jim Wells County, TX$75,650$99,850
Karnes County, TX$75,650$99,850
Kendall County, TX HUD Metro FMR Area$94,600$124,850
Kenedy County, TX$75,650$99,850
Kent County, TX$75,650$99,850
Kerr County, TX$75,650$99,850
Killeen-Temple, TX HUD Metro FMR Area$75,650$99,850
Kimble County, TX$75,650$99,850
King County, TX$75,650$99,850
Kinney County, TX$75,650$99,850
Kleberg County, TX$75,650$99,850
Knox County, TX$75,650$99,850
La Salle County, TX$75,650$99,850
Lamar County, TX$75,650$99,850
Lamb County, TX$75,650$99,850
Lampasas County, TX HUD Metro FMR Area$75,650$99,850
Laredo, TX MSA$75,650$99,850
Lavaca County, TX$75,650$99,850
Lee County, TX$78,350$103,400
Leon County, TX$75,650$99,850
Limestone County, TX$75,650$99,850
Lipscomb County, TX$76,600$101,100
Live Oak County, TX$75,650$99,850
Llano County, TX$75,650$99,850
Longview, TX HUD Metro FMR Area$75,650$99,850
Loving County, TX$91,200$120,400
Lubbock, TX HUD Metro FMR Area$75,650$99,850
Lynn County, TX HUD Metro FMR Area$75,650$99,850
Madison County, TX$75,650$99,850
Marion County, TX$75,650$99,850
Martin County, TX HUD Metro FMR Area$75,650$99,850
Mason County, TX$75,650$99,850
Matagorda County, TX$75,650$99,850
Maverick County, TX$75,650$99,850
McAllen-Edinburg-Mission, TX MSA$75,650$99,850
McCulloch County, TX$75,650$99,850
McMullen County, TX$75,650$99,850
Medina County, TX HUD Metro FMR Area$75,650$99,850
Menard County, TX$75,650$99,850
Midland, TX HUD Metro FMR Area$87,250$115,150
Milam County, TX$75,650$99,850
Mills County, TX$75,650$99,850
Mitchell County, TX$75,650$99,850
Montague County, TX$75,650$99,850
Moore County, TX$75,650$99,850
Morris County, TX$75,650$99,850
Motley County, TX$75,650$99,850
Nacogdoches County, TX$75,650$99,850
Navarro County, TX$75,650$99,850
Newton County, TX HUD Metro FMR Area$75,650$99,850
Nolan County, TX$75,650$99,850
Ochiltree County, TX$75,650$99,850
Odessa, TX MSA$75,650$99,850
Oldham County, TX HUD Metro FMR Area$75,650$99,850
Palo Pinto County, TX$75,650$99,850
Panola County, TX$75,650$99,850
Parmer County, TX$75,650$99,850
Pecos County, TX$75,650$99,850
Polk County, TX$75,650$99,850
Presidio County, TX$75,650$99,850
Rains County, TX$75,650$99,850
Reagan County, TX$75,650$99,850
Real County, TX$75,650$99,850
Red River County, TX$75,650$99,850
Reeves County, TX$75,650$99,850
Refugio County, TX$75,650$99,850
Roberts County, TX$90,400$119,350
Runnels County, TX$75,650$99,850
Rusk County, TX HUD Metro FMR Area$75,650$99,850
Sabine County, TX$75,650$99,850
San Angelo, TX MSA$75,650$99,850
San Antonio-New Braunfels, TX HUD Metro FMR Area$75,650$99,850
San Augustine County, TX$75,650$99,850
San Jacinto County, TX$79,700$105,200
San Saba County, TX$75,650$99,850
Schleicher County, TX$75,650$99,850
Scurry County, TX$75,650$99,850
Shackelford County, TX$75,650$99,850
Shelby County, TX$75,650$99,850
Sherman County, TX$75,650$99,850
Sherman-Denison, TX MSA$75,650$99,850
Somervell County, TX HUD Metro FMR Area$81,200$107,200
Starr County, TX$75,650$99,850
Stephens County, TX$75,650$99,850
Sterling County, TX$75,650$99,850
Stonewall County, TX$75,650$99,850
Sutton County, TX$75,650$99,850
Swisher County, TX$75,650$99,850
Terrell County, TX$75,650$99,850
Terry County, TX$75,650$99,850
Texarkana, TX-Texarkana, AR HUD Metro FMR Area$75,650$99,850
Throckmorton County, TX$75,650$99,850
Titus County, TX$75,650$99,850
Trinity County, TX$75,650$99,850
Tyler County, TX$75,650$99,850
Tyler, TX MSA$75,650$99,850
Upton County, TX$75,650$99,850
Uvalde County, TX$75,650$99,850
Val Verde County, TX$75,650$99,850
Van Zandt County, TX$75,650$99,850
Victoria, TX MSA$75,650$99,850
Waco, TX HUD Metro FMR Area$75,650$99,850
Walker County, TX$75,650$99,850
Ward County, TX$75,650$99,850
Washington County, TX$75,650$99,850
Wharton County, TX$75,650$99,850
Wheeler County, TX$75,650$99,850
Wichita Falls, TX MSA$75,650$99,850
Wilbarger County, TX$75,650$99,850
Willacy County, TX$75,650$99,850
Winkler County, TX$75,650$99,850
Wise County, TX HUD Metro FMR Area$80,950$106,850
Wood County, TX$75,650$99,850
Yoakum County, TX$75,650$99,850
Young County, TX$75,650$99,850
Zapata County, TX$75,650$99,850
Zavala County, TX$75,650$99,850
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