I'm Bond Peter Njoku (NMLS #2670329). Royse City is one of my most active USDA markets — most addresses qualify for 100% financing with no down payment and no monthly MIP. For the addresses that don't, TSAHC's grant stacked on FHA gets to the same zero-down result. Rockwall County's USDA income limit is approximately $139,300 (TSAHC/TDHCA use a lower ~$119,700).
| Program | Amount | Repayment | First-Time Only? | Income Limit |
|---|---|---|---|---|
| USDA Rural Development | 100% financing | No down payment | No | ~$139,300 (1–4 person) |
| TSAHC Home Sweet Texas | 3–5% of loan | Grant — no repayment | No | ~$119,700 |
| TDHCA My First Texas Home | Up to 5% | Deferred, forgiven yr 3 | Yes (or veteran) | ~$119,700 |
| VA Loan | $0 down | No down payment | No (veteran only) | None |
USDA is the strongest mortgage product available to most Royse City buyers. Unlike FHA, USDA has no monthly mortgage insurance premium — just a small annual fee (~0.35% of the loan) that is a fraction of FHA's 0.85% MIP. On a $260K home, that's roughly $110/month less. Over 10 years, that's $13,200 in savings with no down payment required.
| USDA | FHA + TSAHC | |
|---|---|---|
| Down payment | $0 | $0 |
| Monthly MIP | ~$76 | ~$184 |
| Monthly savings | ~$108 less | — |
| Address req. | USDA-eligible | Any address |
Call 469-545-7180 — I'll verify your Royse City address and quote USDA first.
USDA 100% financing (most addresses), TSAHC Home Sweet Texas (3–5% grant, no repayment), and TDHCA My First Texas Home (up to 5%, forgiven yr 3). Rockwall County DPA income limit ~$119,700; USDA is higher at ~$139,300. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
Yes — most of Royse City qualifies. I verify every address before applying. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180 and I'll check your address in minutes.
Rockwall County 2026 USDA limit is ~$139,300 (1–4 person) and ~$183,900 (5+ person). TSAHC and TDHCA use a lower ~$119,700. I'm Bond Peter Njoku (NMLS #2670329). Call 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329), USDA specialist for Rockwall County. Royse City is one of my most active markets. Call or text 469-545-7180.
I'm Bond Peter Njoku (NMLS #2670329). I'll verify your address for USDA and have you pre-approved the same week. Call or text me at 469-545-7180.
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