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USDA Loans

Texas USDA mortgage loans, often times referred to as Rural Development, or RD loans; may be the best choice for your Texas home loan! USDA loans are government guaranteed home mortgages for borrowers living in rural and suburban communities in Texas. There are many benefits to Texas USDA loans.

In addition to low fixed rates and no mortgage insurance, USDA loans are the only home mortgage available to the general public that will allow borrowers to finance up to 100%. In other words, USDA loans offer NO MONEY DOWN home loans! Simply put, if you live in a suburban, or rural community, you will not find a better home mortgage option.

When exploring USDA Home Loans in Texas, home buyers put their trust in AmCap Home Loans – New Caney. As a Texas mortgage lender, we put our years of experience to work for you. We have worked hard to earn our reputation as the go-to Rural Development Loan Specialists in Texas. Our access to a full range of mortgage products assures our clients will find the right loan with the best rates, terms, and costs available to meet their unique set of circumstances. Applying for a USDA loan is fast and easy. We look forward to serving you and earning your business.


The team of Gerry Nicodemus was outstanding to work with. During the whole process, they were constantly providing updates and were always true to their word. If I ever had questions, the team was always willing to take a time out, explain and answer anything, no matter how minor the issue was. Highly, highly, highly, recommend – Nick H.

USDA Loan Facts

texas usda loans

$0 Down Payment

Zero Down Payment

A USDA Loan allows the borrower to finance 100% of the home's value and purchase with $0 down. Other loan programs require 5-20% down.

Low Fixed Rates

Low Fixed Interest Rates

You get a 30 year, low interest fixed rate mortgage with zero early prepayment penalty.

Easier to Qualify

USDA Loans are Easier to Qualify

Qualifying requirements for a USDA Home Loans are similar to an FHA loan and requires no Mortgage Insurance.

USDA loans help make home ownership possible for a wider range of people.