It's hard to say for sure. I would need to know the exact location of where you were looking to build and I could check with USDA for sure. If you cannot go the USDA route FHA would probably be your best bet as it would allow for as little as 3.5% down. Not as good as USDA I know but still pretty good. There are other conventional options that would allow for 5% down which could have lower monthly insurance rates depending on your credit.
I am a Realtor and mortgage broker who lives nearby in Cedar Park so if you would like to discuss this further please feel free to call or email me and I can look into this for you in more detail so you can understand all of your options.
Best of luck to you,
REALTORÂ® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
o 512.669.5599 m 512.633.4157
firstname.lastname@example.org | http://www.AustinListed.com