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USDA Loans – No Down Payment

Possible USDA eligibility. No maximum loan limit with USDA Guaranteed Loans. Higher-priced communities may qualify but the program is mainly geared for lower price points. Lender to verify all qualifying factors and eligibility of property.
Eligibility and approval of USDA loans are determined by the USDA. Please reference the USDA at their website here:

ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78003 Bandera River Ranch D.R. Horton Coming Soon
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78006 Balcones Creek – Estates Highland Homes ★ $500s (mid)
78006 Balcones Creek – Estates Sitterle Homes ★ $400s (high)
78006 Balcones Creek – Gardens Sitterle Homes ★ $300s (mid)
78015 Balcones Creek – Half Acre Perry Homes $500s (high)
78006 Balcones Creek 55’s Highland Homes ★ $300s (mid)
78006 Balcones Creek 70’s Highland Homes ★ $500s (low)
78006 Bent Tree Texas Homes $400s (mid)
78015 Cielo Ranch Ashton Woods Homes ★ $200s (high)
78015 Cielo Ranch – The Hills Centex Homes ★ $200s (low)
78015 Cielo Ranch – The Overlook Pulte Homes ★ $200s (high)
78006 Esperanza Coventry Homes $300s (low)
78006 Esperanza Scott Felder Homes ★ $300s (low)
78006 Esperanza – The Village El Prado Monticello Homes ★ $300s (low)
78006 Esperanza – The Village of Bella Vista Sitterle Homes ★ $500s (low)
78006 Esperanza – The Village of Encinal Sitterle Homes ★ $300s (mid)
78006 Esperanza – The Village of Ladera Monticello Homes ★ $400s (low)
78015 Fallbrook D.R. Horton – Emerald Homes $300s (low)
78006 Leon Creek Megatel Homes Not Published
78006 Mira Lomas Prestige Homes $300s (low)
78015 Mirabel KB Home ★ $200s (mid)
78006 Miralomas Sitterle Homes ★ $300s (low)
78015 Napa Oaks Gehan Homes ★ $200s (high)
78015 Napa Oaks – Colle Bellaire Homes $300s (mid)
78015 Ridge Creek Rialto Homes $300s (mid)
78015 Southglen Ashton Woods Homes ★ Coming Soon
78015 Southglen Pulte Homes ★ $200s (mid)
78015 Southglen – The Oaks Meritage Homes ★ $400s (low)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78163 Belle Oaks Monticello Homes ★ Not Published
78163 Belle Oaks Sitterle Homes ★ Not Published
78163 Edgebrook KB Home ★ $200s (mid)
78613 Hidden Trails Scott Felder Homes ★ $300s (mid)
78163 Hidden Trails – Barrington Lennar $100s (high)
78163 Hidden Trails – Brookstone II Lennar $300s (low)
78163 Hidden Trails – Westfield Lennar $200s (mid)
78163 Johnson Ranch – Brookstone II Lennar $200s (high)
78163 Johnson Ranch – Brookstone II Signature Lennar $300s (low)
78163 Johnson Ranch – Brookstone II Signature & TX Reserve Village Builders $300s (low)
78163 Johnson Ranch – La Creciente Monticello Homes ★ $400s (mid)
78163 Johnson Ranch – La Creciente Sitterle Homes ★ $500s (high)
78163 Ventana Bella Vista Homes ★ $200s (high)
78163 Ventana 55’s Highland Homes ★ $300s (low)
78163 Ventana 65’s Highland Homes ★ $300s (mid)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78009 Potranco Ranch Kindred Homes $300s (high)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78108 Sydney Cove Armadillo Homes ★ $230s (low)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78244 Caledonian Gray Point Homes ★ $200s (low)
78244 Crestway Heights Rausch Coleman Homes $100s (mid)
78109 Horizon Pointe KB Home ★ Not Published
78109 Horizon Pointe NewLeaf Homes $200s (low)
78109 Horizon Pointe – Commons Rausch Coleman Homes $100s (high)
78109 Millican Grove Bella Vista Homes ★ $200s (low)
78109 Millican Grove Century Communities ★ $100s (high)
78109 Notting Hill Bella Vista Homes ★ $200s (low)
78109 Notting Hill CastleRock Communities $200s (low)
78109 Paloma Armadillo Homes ★ $200s (low)
78109 Paloma Gray Point Homes ★ $200s (low)
78109 Paloma M/I Homes ★ $100s (high)
78109 Paloma – Cottage Collection Lennar $100s (mid)
78109 Paloma – Watermill & Barrington Collections Lennar $100s (mid)
78109 Sage Meadows – Barrington Collection Lennar $200s (low)
78109 Sage Meadows – Watermill Collection Lennar $100s (high)
78109 Sky View KB Home ★ $100s (high)
78109 Windfield KB Home ★ $200s (low)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78112 Homewood Place Rausch Coleman Homes $100s (mid)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78015 Balcones Creek 55’s Perry Homes $300s (high)
78015 Elkhorn Ridge Bellaire Homes $300s (high)
78015 Elkhorn Ridge Princeton Classic Homes ★ $200s (high)
78015 Elkhorn Ridge at Fair Oaks Ranch Monticello Homes ★ $300s (low)
78015 Front Gate at Fair Oaks Ranch Ashton Woods Homes ★ $300s (low)
78015 Front Gate at Fair Oaks Ranch 60’s Highland Homes ★ $400s (low)
78015 Front Gate at Fair Oaks Ranch 90’s Highland Homes ★ $500s (mid)
78015 River Valley 70’s Perry Homes $400s (high)
78015 Setterfeld Estates Kindred Homes $400s (low)
78015 The Arbors at Fair Oaks Ranch Scott Felder Homes ★ $400s (mid)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78114 River Bend – Villages – Legends Avex Homes $200s (mid)
78114 River Bend – Villages – Traditions Avex Homes $100s (high)
78114 The Links at River Bend D.R. Horton $100s (high)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78269 1835 Village Avex Homes $100s (mid)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78023 Bricewood Bellaire Homes $200s (mid)
78254 Bricewood Century Communities ★ Coming Soon
78254 Bricewood Coventry Homes Not Published
78023 Bricewood NewLeaf Homes $200s (low)
78023 Helotes Canyon Texas Homes $400s (low)
78254 Silver Canyon Centex Homes ★ $200s (low)
78023 The Ridge at Bandera KB Home ★ $200s (high)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78124 Harvest Hills Chesmar Homes $300s (high)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78132 Copper Ridge Ashton Woods Homes ★ $400s (high)
78132 Copper Ridge Sitterle Homes ★ $800s (low)
78130 Deer Crest – Classic Collection KB Home ★ $200s (low)
78130 Deer Crest – Heritage Collection KB Home ★ $200s (low)
78130 Elley Crossing Centex Homes ★ $100s (high)
78132 Meyer Ranch Ashton Woods Homes ★ $200s (mid)
78132 Meyer Ranch Bella Vista Homes ★ $200s (mid)
78132 Meyer Ranch Gehan Homes ★ $200s (low)
78132 Meyer Ranch Highland Homes ★ $300s (low)
78132 Meyer Ranch Princeton Classic Homes ★ $300s (low)
78132 Meyer Ranch – River Collection Trendmaker Homes $200s (high)
78130 Meyers Landing Meritage Homes ★ $200s (low)
78132 The Crossings Lennar $200s (mid)
78130 The Overlook at Creekside Centex Homes ★ $200s (low)
78130 The Overlook at Creekside Coventry Homes $200s (mid)
78130 The Overlook at Creekside Liberty Home Builders ★ $200s (low)
78130 The Overlook at Creekside Pulte Homes ★ $200s (mid)
78132 Veramendi Gehan Homes ★ $200s (low)
78132 Veramendi Scott Felder Homes ★ $300s (low)
78132 Veramendi 50’s Perry Homes $300s (mid)
78132 Veramendi 60’s David Weekley Homes $300s (low)
78132 Vintage Oaks Journey Homes ★ Coming Soon
78132 Vintage Oaks Perry Homes $500s (low)
78132 Vintage Oaks – The Grove Scott Felder Homes ★ $300s (low)
78132 Vintage Oaks – The Grove 55’s Perry Homes $300s (high)
78132 Vintage Oaks – The Grove 60’s Monticello Homes ★ $300s (mid)
78132 Vintage Oaks – The Grove 65’s Perry Homes $400s (low)
78132 Vintage Oaks – The Grove 70’s Monticello Homes ★ $400s (low)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78253 Alamo Ranch – Santa Maria Century Communities ★ $200s (high)
78253 Alamo Ranch – Santa Maria Chesmar Homes $300s (low)
78245 Amhurst – The Canyons D.R. Horton – Express Homes $200s (low)
78261 Amorosa at Cibolo Canyons Sitterle Homes ★ $300s (mid)
78263 Annabelle Ranch Bellaire Homes $200s (high)
78263 Annabelle Ranch M/I Homes ★ $500s (low)
78245 Arcadia Ridge Ashton Woods Homes ★ $300s (low)
78245 Arcadia Ridge Bella Vista Homes ★ Not Published
78245 Arcadia Ridge CastleRock Communities Coming Soon
78245 Arcadia Ridge Gehan Homes ★ $200s (low)
78245 Arcadia Ridge Princeton Classic Homes ★ $200s (mid)
78245 Arcadia Ridge – Highlands NewLeaf Homes $200s (high)
78245 Arcadia Ridge – The Arbor Centex Homes ★ Sold Out
78245 Arcadia Ridge – The Heights Meritage Homes ★ $300s (low)
78245 Arcadia Ridge – The Reserve Pulte Homes ★ $200s (mid)
78245 Arcadia Ridge – Vistas NewLeaf Homes $200s (mid)
78261 Canyon Crest Ashton Woods Homes ★ $300s (low)
78261 Canyon Crest KB Home ★ $200s (mid)
78245 Champions Landing KB Home ★ $200s (low)
78261 Cibolo Canyons Empire Communities ★ $200s (high)
78261 Cibolo Canyons Highland Homes ★ $400s (low)
78261 Cibolo Canyons – Campanas David Weekley Homes $300s (low)
78261 Cibolo Canyons – Campanas Monticello Homes ★ $400s (low)
78261 Cibolo Canyons – Campanas Sitterle Homes ★ $400s (mid)
78261 Cibolo Canyons – Cielos Imagine Homes $500s (low)
78261 Cibolo Canyons – Estrella Chesmar Homes $500s (low)
78261 Cibolo Canyons – Madera Chesmar Homes $300s (high)
78261 Cibolo Canyons – Monteverde CastleRock Communities $300s (low)
78252 Cinco Lakes Bella Vista Homes ★ $200s (low)
78252 Cinco Lakes Centex Homes ★ $100s (high)
78252 Cinco Lakes 35’s M/I Homes ★ $200s (low)
78252 Cinco Lakes 40’s M/I Homes ★ $200s (low)
78253 Cobblestone Century Communities ★ $200s (mid)
78258 Coronado Coventry Homes $400s (low)
78258 Coronado D.R. Horton – Emerald Homes $400s (low)
78258 Coronado Highland Homes ★ $400s (low)
78254 Crosscreek – Classic Collection KB Home ★ $200s (mid)
78254 Crosscreek – Sterling & Heritage Collection KB Home ★ $200s (low)
78254 Davis Ranch Centex Homes ★ $200s (low)
78254 Davis Ranch Pulte Homes ★ $200s (mid)
78254 Davis Ranch 50’s David Weekley Homes $200s (high)
78254 Davis Ranch 50’s Highland Homes ★ $300s (low)
78254 Davis Ranch 60’s David Weekley Homes $300s (low)
78254 Davis Ranch 60’s Highland Homes ★ $300s (mid)
78245 Dove Creek NewLeaf Homes $100s (high)
78245 Dove Heights KB Home ★ $200s (low)
78253 Falcon Landing KB Home ★ $200s (low)
78223 Green Lake Meadow Bella Vista Homes ★ $100s (high)
78245 Hidden Bluffs at Texas Research Park Armadillo Homes ★ $200s (low)
78253 Hill Country Retreat Del Webb ★ $200s (low)
78245 Hunters Ranch Armadillo Homes ★ $200s (low)
78245 Hunters Ranch Bella Vista Homes ★ $200s (low)
78253 Hunters Ranch CastleRock Communities $200s (low)
78253 Hunters Ranch Kindred Homes $200s (low)
78261 Indian Springs – The Heights Pulte Homes ★ $300s (low)
78163 Johnson Ranch NewLeaf Homes $300s (mid)
78163 Johnson Ranch 55’s Perry Homes $300s (mid)
78163 Johnson Ranch 85’s Perry Homes $500s (low)
78254 Kallison Ranch CastleRock Communities $200s (low)
78254 Kallison Ranch Empire Communities ★ $200s (mid)
78254 Kallison Ranch – Arbors NewLeaf Homes $200s (mid)
78254 Kallison Ranch – Highlands NewLeaf Homes $300s (low)
78254 Kallison Ranch 45’s Perry Homes $200s (mid)
78254 Kallison Ranch 50’s Perry Homes $300s (low)
78254 Kallison Ranch 60’s Perry Homes $400s (low)
78244 Kendall Brook D.R. Horton – Express Homes $100s (mid)
78260 Kinder Ranch Coventry Homes $300s (mid)
78260 Kinder Ranch – Prospect Creek David Weekley Homes $400s (low)
78620 Kinder Ranch – Sunday Creek Ashton Woods Homes ★ $300s (mid)
78260 Kinder Ranch – Sunday Creek Imagine Homes $300s (mid)
78260 Kinder Ranch – Sunday Creek Monticello Homes ★ $300s (low)
78260 Kinder Ranch – Sunday Creek Sitterle Homes ★ $400s (low)
78260 Kinder Ranch – The Estates at Hastings Ridge Monticello Homes ★ $500s (low)
78260 Kinder Ranch – The Village at Hastings Ridge Monticello Homes ★ $400s (low)
78260 Kinder Ranch 50’s Perry Homes $300s (mid)
78260 Kinder Ranch 55’s – Prospect Creek Sitterle Homes ★ $300s (low)
78260 Kinder Ranch 55’s – Sunday Creek David Weekley Homes $200s (high)
78260 Kinder Ranch 65’s – Prospect Creek Sitterle Homes ★ $300s (high)
78260 Kinder Ranch 70’s Perry Homes $400s (mid)
78260 Kinder Ranch 80’s – Prospect Creek Sitterle Homes ★ $400s (low)
78245 Ladera Liberty Home Builders ★ $200s (mid)
78245 Ladera – Highpoint Century Communities ★ $200s (low)
78245 Ladera – Highpoint Gray Point Homes ★ $200s (low)
78245 Ladera – North Ridge Century Communities ★ $200s (high)
78245 Ladera 40’s Perry Homes $200s (mid)
78245 Ladera 50’s Perry Homes $300s (low)
78264 Lonesome Dove D.R. Horton – Express Homes Coming Soon
78261 Messina Meritage Homes ★ $300s (low)
78244 Miller Ranch Express D.R. Horton – Express Homes $200s (low)
78252 Olson Ranch Rausch Coleman Homes $100s (mid)
78245 Potranco Run – Brookstone II Westfield & Barrington Lennar $200s (low)
78253 Redbird Ranch Express D.R. Horton – Express Homes $100s (high)
78255 River Rock Ranch 60’s Perry Homes $400s (mid)
78253 Riverstone at Westpointe D.R. Horton – Express Homes $100s (high)
78252 Silos – Barrington Collection Lennar $200s (low)
78252 Silos – Belmar Collection Lennar $100s (high)
78252 Silos – Cottage Collection Lennar $100s (high)
78252 Silos – Stonehill and Broadview Collection Lennar $100s (low)
78255 Sonoma Verde – The Ridge Rialto Homes $500s (low)
78253 Stevens Ranch Century Communities ★ Coming Soon
78253 Stevens Ranch Kindred Homes $200s (high)
78253 Stevens Ranch Megatel Homes Not Published
78253 Stevens Ranch – The Park Texas Homes $200s (high)
78253 Stevens Ranch 55’s Perry Homes $300s (high)
78254 Stillwater Ranch Chesmar Homes $200s (high)
78254 Stillwater Ranch Coventry Homes $200s (mid)
78245 Stonecreek Armadillo Homes ★ $200s (low)
78245 Stoney Creek D.R. Horton – Express Homes $100s (high)
78254 Talise De Culebra CastleRock Communities $300s (low)
78245 Texas Research Park – Hidden Bluffs KB Home ★ $200s (mid)
78245 Texas Research Park – Hidden Canyons KB Home ★ $200s (low)
78245 Texas Research Park – The Woods Bella Vista Homes ★ $200s (low)
78245 The Overlook at Medio Creek KB Home ★ $200s (low)
78255 Two Creeks – The Heights 65’s David Weekley Homes $300s (mid)
78254 Valley Ranch D.R. Horton $200s (mid)
78254 Valley Ranch Express D.R. Horton – Express Homes $100s (high)
78254 Valley Ranch Freedom Homes D.R. Horton – Freedom Homes $200s (low)
78253 Waterford Park Armadillo Homes ★ $200s (mid)
78253 Waterford Park Ashton Woods Homes ★ $200s (mid)
78254 Waterford Park Chesmar Homes $200s (mid)
78253 Waterford Park Lennar $200s (low)
78254 Waterwheel – Barrington Lennar $200s (low)
78254 Waterwheel – Cottage Lennar $100s (mid)
78254 Waterwheel – Watermill Lennar $200s (low)
78254 Waterwheel – Westfield & Brookstone II Lennar $200s (mid)
78245 West Pointe Gardens NewLeaf Homes $200s (mid)
78245 Weston Oaks Armadillo Homes ★ $200s (low)
78245 Weston Oaks – Enclave Sitterle Homes ★ $200s (high)
78245 Weston Oaks – The Estates 60’s David Weekley Homes $300s (low)
78253 Westpointe – Brookstone II Lennar $300s (low)
78253 Westpointe – Fronterra Sitterle Homes ★ $400s (mid)
78253 Westpointe – Fronterra – Heritage Series M/I Homes ★ $300s (low)
78253 Westpointe – Fronterra – Smart Series M/I Homes ★ $200s (low)
78253 Westpointe – Fronterra – Stately Series M/I Homes ★ $300s (high)
78253 Westpointe – Fronterra 50’s Highland Homes ★ $300s (low)
78253 Westpointe – Fronterra 55’s Highland Homes ★ $300s (mid)
78253 Westpointe – Fronterra 60’s Perry Homes $400s (low)
78253 Westpointe – Fronterra 60’s – University Series David Weekley Homes $300s (low)
78253 Westpointe – Fronterra 65’s Highland Homes ★ $400s (low)
75253 Westpointe – Riverstone D.R. Horton Coming Soon
78253 Westpointe – Trails Meritage Homes ★ $200s (mid)
78253 Westpointe – Trails – Classic Series Meritage Homes ★ Coming Soon
78253 Westpointe – Trails – Premier Series Meritage Homes ★ Coming Soon
78253 Westpointe – Trails – Woodland Collection Meritage Homes ★ $300s (low)
78253 Westpointe – Trails 45’s Perry Homes $300s (low)
78253 Westpointe – Trails 50’s Perry Homes $300s (low)
78253 Westpointe – TX Reserve Lennar $300s (low)
78252 Whisper Falls D.R. Horton – Express Homes $100s (mid)
78252 Whisper Falls Gehan Homes ★ $200s (low)
78222 Willow Point Centex Homes ★ Coming Soon
78219 Willow Point M/I Homes ★ Coming Soon
78254 Winding Brook Centex Homes ★ $200s (low)
78253 Winding Brook 30’s M/I Homes ★ $200s (low)
78253 Winding Brook 40’s M/I Homes ★ $200s (low)
78244 Winterfell D.R. Horton – Express Homes $100s (low)
78261 Wortham Oaks – Barrington & Westfield Lennar $200s (mid)
78261 Wortham Oaks – Brookstone II 50’s Lennar $200s (mid)
78261 Wortham Oaks – The Meadows M/I Homes ★ $200s (mid)
78161 Wortham Oaks – The Terraces Chesmar Homes $200s (high)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78666 La Cima Buffington Homes Coming Soon
78229 La Cima Scott Felder Homes ★ $300s (low)
78666 Trace Buffington Homes $200s (low)
78666 Trace Pacesetter Homes $100s (high)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78155 Cordova Crossing Lennar $200s (low)
78155 Lily Springs Pulte Homes ★ Coming Soon
78155 Woodside Farms KB Home ★ Coming Soon
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78070 Cascada at Canyon Lake – Custom Homes Everview Homes $400s (low)
78070 Mystic Shores Journey Homes ★ Not Published
78130 Mystic Shores – Custom Homes Everview Homes $400s (low)
78070 Preserve at Singing Hills Armadillo Homes ★ $200s (low)
78070 The Preserve at Singing Hills 50’s Ashton Woods Homes ★ $200s (mid)
78070 The Preserve at Singing Hills 60’s Ashton Woods Homes ★ $300s (low)
ZIP CODE COMMUNITY BUILDER BASE PRICE – TO BE BUILT
78152 Asher Place Meritage Homes ★ $200s (low)
78152 Cobalt Canyon D.R. Horton – Express Homes $100s (high)
78152 Heathers Place Rausch Coleman Homes $100s (high)
78152 Hunter’s Place Hakes Brothers Not Published
78152 Hunters Way Empire Communities ★ $400s (mid)
78152 Hunters Way Kindred Homes $400s (low)

Possible USDA eligibility. No maximum loan limit with USDA Guaranteed Loans. Higher-priced communities may qualify but the program is mainly geared for lower price points. Lender to verify all qualifying factors and eligibility of property.
Eligibility and approval of USDA loans are determined by the USDA. Please reference the USDA at their website here:

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Last updated: 10-27-2020

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