USDA Rural Loans in Waco, 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 Waco and all of McLennan County.
Waco at a glance
Baylor + 'Magnolia/Fixer Upper' halo; very affordable (~$197K) between Austin & DFW. First-time/FHA + USDA fringe.
Serving Waco neighborhoods including Castle Heights, Woodway, Hewitt, Downtown Waco.
Why a USDA loan in Waco?
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 Waco. No pressure — just straight answers from someone who's done this for 30 years.