Michael Durr
USDA
LOANS.
Buy with absolute zero down payment. The USDA program offers the lowest overall costs for qualified homes in growing Texas communities.
Zero Down
Financing.
A USDA Rural Development Loan is a mortgage insured by the government for buyers in towns and rural areas. It is designed to boost rural Texas economies by making homeownership more affordable.
Michael Durr specializes in identifying eligible zones around Kingwood and the Houston outskirts, helping you secure 100% financing with industry-low rates.
Down Payment
$0.00 Required
Rates
Below Market
Financial Strategy
Roll closing costs into the loan if the home appraises higher than the purchase price.
Eligibility Pillars.
The three keys to unlocking a USDA mortgage
Qualified Zones
The home must be located in a USDA-designated rural area. Many growing suburbs near Kingwood qualify.
USDA eligibility is determined by the population and geographic location of the property. Generally, a "rural area" is defined as a town with a population of less than 35,000. Many areas just outside the Houston metropolitan loop that feel suburban are actually qualified zones.
Income Limits
Designed for low-to-moderate income households. We check your household total against county limits.
The USDA program is intended for families who earn up to 115% of the Area Median Income (AMI). Michael Durr evaluates the combined income of all adults living in the home to ensure you meet the program's mandate.
Credit Standing
USDA is flexible, but a 640 FICO score generally triggers automated underwriting for an easier approval.
While the USDA does not have a strict minimum credit score, a 640 FICO is the benchmark for automated approval. For those with lower scores, manual underwriting is still a possibility.
The Rural
Specialist.
"USDA loans are Texas' best kept secret. 100% financing for non-veterans."
Michael Durr has helped hundreds of Texas families utilize the USDA program to buy homes they thought were out of reach. With zero down required and Michael's expert navigation of the eligibility maps, your path to a ranch-style estate or a suburban-edge home is clear.
28
Years Authority
Elite
USDA Knowledge
Texas Residential Portfolio
"Our mission is to put you in the most sound financial position possible. Start your pre-approval with the Kingwood team today."
- Michael DurrUSDA Pre-Qual
Private Analysis • Results in Minutes
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