USDA loans let eligible buyers purchase a home with zero down payment, lower rates than conventional, and fixed monthly payments — in eligible rural and suburban areas surrounding San Antonio. Many SA suburbs qualify.
Offered through private lenders. USDA guarantees the loan — lender takes less risk and passes savings to you. This is the most common type most buyers will use. Income limits apply.
Funded directly by the USDA — not a private lender. For very low-income individuals and families. Even more flexible terms. Current rate: 5.00% fixed.
| Benefit | What It Means for You |
|---|---|
| Zero Down Payment | 100% financing — no savings required for down payment |
| Lower Interest Rates | Typically below conventional loan rates |
| Fixed Rate | Your payment stays the same every month |
| Affordable Payments | Longer terms + zero down = lower monthly cost |
Property must be in a USDA-eligible area. Many SA suburbs qualify including: Schertz, Cibolo, Converse, Selma, Universal City, Marion, Floresville, Pleasanton, Castroville, Lytle, Natalia, Poteet, Devine and more. Check the USDA eligibility map at usda.gov.
Income limits vary by county and household size. Guaranteed loan = moderate income. Direct loan = very low income. Check current limits at usda.gov.
No hard minimum — lenders typically want 640+. Manual underwriting available for lower scores.
Great for: Buyers in SA suburbs with limited savings, first-time buyers, buyers looking outside the Loop 410 / 1604 corridors, anyone who wants space to grow a garden or live rurally without giving up proximity to SA.
Questions about USDA eligibility in your area? Let's talk.
📞 Call Chris — 210-214-2673