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Mckinney, TX USDA home loans or sometimes called rural development loans, are government-insured mortgages that help potential home buyers buy a home without a down payment. The Mckinney, TX USDA home loan program was created in 1991. This program was designed to help aid potential home buyers obtain a mortgage with a decent rate in rural areas.

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McKinney, Texas – First Time Home Buyer Down Payment Assistance Programs First time home buyers in McKinney, Texas may be eligible for a few different down payment assistance programs. This includes one local and two statewide incentives which are available within the city limits of McKinney.