USDA Rural Loans in Horizon City, TX
$0 down for homes in eligible rural and small-town areas.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving Horizon City and all of El Paso County.
Horizon City at a glance
Fast-growing new-construction suburb SE of El Paso; new-build VA/FHA volume, USDA-eligible on the rural edge. List median runs high vs. actual sale prices.
Serving Horizon City neighborhoods including Emerald Ridge, Regency, Paseo del Este.
Why a USDA loan in Horizon City?
Low-to-moderate-income buyers purchasing in a USDA-eligible area (more places qualify than you'd think).
- ✦$0 down payment
- ✦Below-market guarantee fees vs. typical mortgage insurance
- ✦Generous rural eligibility — many suburbs and small towns qualify
My First Texas Home (MFTH) — up to 5% of loan amount. First-time buyer (or veteran / targeted-area exemption); 620 min FICO; income limits vary by county/household (~$97K for 1-2 person, ~$111,550 for 3+ in most counties, higher in Austin/Dallas); homebuyer education required; stackable with MCC
USDA Rural Loans FAQ
- Is my area USDA-eligible?
- Many small towns and outer suburbs qualify. Send me the address and I'll check the USDA map and 2026 income limits for you.
“Homeownership is a partnership.” Let's talk about your USDA loan in Horizon City. No pressure — just straight answers from someone who's done this for 30 years.