USDA mortgage loans in the surrounding Port Lavaca area are excellent mortgages to help with your home buying needs.A true 0% down option payment is available to home buyers looking to purchase homes in areas surrounding Port Lavaca, Texas.   Many home buyers realize the importance of keeping their cash reserves for purposes other than a down payment on a home. Thankfully, there is a special government loan program from the USDA that can assist with this. Post closing cash reserves are important to help set up home buyers for success for several reasons.  First, it is always a good plan for a home owner to have at least 6 months reserves on hand for emergencies- such as normal replacement of items like hot water heaters, air conditioning and heating units, washer and dryer, and other ap... 07/14/2015