VA loans
Linden is about 29 miles from Red River Army Depot, so many buyers here are active-duty service members and veterans. VA loans usually need no down payment and no monthly mortgage insurance for eligible borrowers.
Linden at a glance
- County
- Cass County
- Population (2024)
- 1,812 (-0.6% since 2020)
- Median home value
- $128,700 (Texas: $260,400)
- Land area
- 3.53 sq mi
- Nearest major city
- Tyler, about 73 miles
- Nearest military installation
- Red River Army Depot, about 29 miles
Home prices in Linden
The median value of owner-occupied homes in Linden is about $128,700, below the Texas median of $260,400 and compared with $133,500 across Cass County. Lower home prices here can make it easier to qualify and to save for a down payment.
Home loan options in Linden
USDA loans
With about 1,812 residents, Linden may include addresses that qualify for USDA Rural Development loans, which require no down payment for eligible buyers within income limits. Eligibility is set address by address on USDA's map.
FHA and conventional loans
FHA loans offer flexible credit guidelines and a low down payment, while conventional loans can work well for buyers with stronger credit. Both are available throughout Cass County.
Refinancing a home in Linden
A rate-and-term refinance can lower your rate or change your loan term without taking cash out. If you want to tap your equity, Texas treats any cash-out refinance of your homestead as a home equity loan under Section 50(a)(6) of the Texas Constitution: the new loan plus other debt on the home generally can't exceed 80% of its value, and closing waits at least 12 days after you apply and receive the required notice. Veterans may also use a VA streamline (IRRRL) refinance, and FHA borrowers an FHA streamline refinance.
Down payment help for Linden homebuyers
Buyers in Linden can apply for Texas state programs, including My First Texas Home, My Choice Texas Home, Texas Mortgage Credit Certificate, Homes for Texas Heroes, as well as programs run by Cass County or local housing agencies where available. Income, purchase price and eligibility rules apply.
Texas rules that apply in Linden
Texas cash-out refinance and home equity loans (Section 50(a)(6))
Texas has stricter home equity rules than any other state. They apply whenever you take cash out of your homestead, through a cash-out refinance or a home equity loan.
Property taxes, homestead exemptions and escrow
Texas has no state income tax and no state property tax, but local taxes set by counties, cities, school districts and special districts are among the higher rates in the country. Most lenders collect property taxes and homeowners insurance monthly in an escrow account.
Title insurance and closing
Title insurance premiums in Texas are set by the Texas Department of Insurance, so the base premium is the same at every title company. Closings usually take place at a title company.
Home loans near Linden
Linden mortgage FAQs
What is the median home value in Linden, Texas?
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About $128,700, based on the U.S. Census Bureau's 2019-2023 American Community Survey. The Texas median is $260,400 and the Cass County median is $133,500.
What county is Linden, TX in?
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Linden is in Cass County. Property taxes and the homestead exemption are handled by the Cass County appraisal district.
What is the conforming loan limit in Cass County?
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For 2026, the conforming loan limit for a one-unit home is $832,750, the same in every Texas county. Larger loans are jumbo loans.
Can I get a USDA loan in Linden?
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Possibly. Linden has about 1,812 residents, and smaller Texas communities often include USDA-eligible addresses. Eligibility depends on the exact address and your household income.
Can I do a cash-out refinance on a home in Linden?
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Yes, under Texas home equity rules (Section 50(a)(6)). Your new loan plus other debt on the home generally can't exceed 80% of its value, and the loan can't close until 12 days after you apply and receive the required notice. A rate-and-term refinance with no cash out isn't subject to these limits.
Is Linden a good place to use a VA loan?
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Many VA borrowers buy in Linden, which is about 29 miles from Red River Army Depot. VA loans usually need no down payment and no monthly mortgage insurance for eligible veterans and service members.
Ready to buy or refinance in Linden?
Talk with a licensed HomyLoan loan officer: Office (830) 200-0016 · Cell (817) 305-3724