Household income limits
Household income can't be over USDA's limit for the area. It counts everyone in the household, not just the people on the loan. USDA's eligibility site has an income check too.
USDA loans around Aledo and Parker County: rural doesn't mean far.
People hear "rural" and think it can't be them. But some of the country west of Fort Worth, where I live, can count. A USDA loan is built for buyers in eligible rural areas who meet the income limits. Here's how it works, how to check an address, and what to send me. I live in Aledo, and most of my clients are around DFW.
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I always start with a soft pull, so no hard credit ding.
What a USDA loan is
USDA Rural Development guarantees the loan through its Section 502 Guaranteed Loan Program. You don't borrow from USDA. You borrow from an approved lender like me, and the guarantee is what makes the program work. It's for low- and moderate-income households buying a home they'll live in, in an area USDA calls eligible.
First question: is the address eligible?
USDA decides by address, not by town name. Put the address into USDA's eligibility site, or send it to me and I'll check.
When I checked in October 2026, the Aledo, Weatherford, and Springtown ZIP codes in Parker County came back eligible. That's a good sign, not a promise for every street. Some addresses can fall outside the lines, and USDA updates the map.
The USDA rules worth knowing
It's your home
You have to live in it as your primary residence. USDA loans can't be used for rentals or income-producing property.
No set acreage limit
USDA doesn't cap the acres. That matters out here. The place still has to be a home, not a farm business, and USDA says the site size has to be typical for the area. Wells, septic, and outbuildings all get a look.
Buy or fix
USDA can be used to buy an existing home or a new one, and repairs tied to the purchase of an existing home can be part of it.
Guarantee fees
USDA charges an upfront guarantee fee and an annual fee, set by USDA. I'll show you the real cost next to FHA and conventional.
Who can apply
U.S. citizens, U.S. non-citizen nationals, and qualified aliens. You still have to show you can handle the debt.
A couple more. Manufactured homes can work with USDA, but USDA generally limits it to new units, so existing manufactured homes usually don't qualify; see manufactured home loans. Refinancing with USDA is only for people who already have a USDA loan, and I don't do USDA cash-out. For cash out of your house, look at a conventional Texas cash-out. And some down payment assistance programs pair with USDA loans.
What to send me
- The address, or the area you're shopping
- Everyone who'll live in the home, and any income they have
- Pay stubs for the last month and W-2s for the last two years
- Tax returns if you're self-employed or get commission
- Recent bank statements
- Details on the land: acres, well, septic, outbuildings
Ready when you are.
Send the short form, call, or email. I'll check the address and your household income against USDA's limits, then put USDA next to FHA and conventional so you can see the difference. If USDA isn't the one, I'll say so.
I lend in Texas, Oklahoma, California, Colorado, Montana, Florida and Georgia, and I can help in all the other states too.
I always start with a soft pull, so no hard credit ding.
USDA loan questions
What is a USDA loan?
A home loan guaranteed by USDA Rural Development through its Section 502 Guaranteed Loan Program. You get it through an approved lender like me. It's for low- and moderate-income households buying a primary residence in an eligible rural area.
Is Aledo eligible for USDA loans?
Eligibility goes by address, not town name. When I checked USDA's map in October 2026, the Aledo, Weatherford, and Springtown ZIP codes came back eligible, but that doesn't cover every address, and the map can change. Put your address into USDA's eligibility site or send it to me.
Is there an income limit on a USDA loan?
Yes. Household income can't be over USDA's limit for the area, and it counts the income of everyone in the household, not just the people on the loan. Check it on USDA's eligibility site or ask me.
Can I buy acreage with a USDA loan?
USDA has no set acreage limit. The property still has to be a home you live in, not an income-producing property like a farm business, and USDA's rules say the site size has to be typical for the area.
Can I use a USDA loan for a rental?
No. You have to live in the home as your primary residence. USDA loans can't be used for income-producing property.
Does a USDA loan have fees like mortgage insurance?
USDA charges an upfront guarantee fee and an annual fee. They're set by USDA. I'll show you the real cost next to FHA and conventional.
Apply Now (opens in new tab)Tell me the deal
I always start with a soft pull, so no hard credit ding.
General information, not a commitment to lend. USDA program rules come from USDA Rural Development's Guaranteed Loan Program page and 7 CFR Part 3555. Subject to qualification and program guidelines. Not all applicants will qualify. Not affiliated with or endorsed by USDA.
More answers on the FAQ page, or see Aledo home loans and Parker County home loans. Or head back home.