USDA loans in Choctaw County, simplified
By Kaspar Caldwell, REALTOR® · Reviewed
USDA $0 down loans in Choctaw County, Mississippi made simple: who qualifies, eligible areas near Ackerman, costs, and real examples of homes for sale right now.
Short answer
In Choctaw County, qualified buyers can buy with $0 down using a USDA loan if the home is in an eligible area, their household income is under the county limit, and the home is their primary residence. As of October 7, 2026, 14 homes were for sale in USDA-eligible parts of Choctaw County under $325,000, with a median list price of $169,500.
Key takeaways
- As of October 7, 2026, 14 homes were for sale in USDA-eligible parts of Choctaw County under $325,000, with a median list price of $169,500.
- Check the county income limit on the USDA eligibility site.
- Budget for closing costs; sellers can help.
- See real example homes below.
How does a USDA loan work, in plain English?
A USDA guaranteed loan is a 30-year fixed mortgage from a regular lender, backed by the U.S. Department of Agriculture so the lender can offer it with no down payment.
- $0 down: you can finance 100% of the price.
- Location: the home must be in a USDA-eligible area (most rural and small-town Mississippi qualifies).
- Income: your total household income must be at or under the limit for your county.
- Credit: most lenders look for a score around 640 for automated approval; lower can be possible with manual review.
- Fees: a 1% upfront guarantee fee (can be rolled into the loan) and a 0.35% annual fee paid monthly.
- Use: it must be your primary home, not a rental or vacation home.
Where USDA works in Choctaw County
Most of Choctaw County qualifies, including areas around Ackerman. Homes are currently listed in French Camp, Weir, Ackerman, Mathiston.
Always confirm the exact address on the USDA eligibility map before making an offer.
What your options look like
Below are real homes for sale in USDA-eligible parts of Choctaw County, from the lowest price up, to show the range of what $0 down can buy here. Payments shown on each home are estimates of principal and interest only.
Example homes for sale in Choctaw County
$75,000
3398 MS Highway 413
French Camp · 3 bd · 2 ba · 1,440 sqft
$129,900
531 Main St
Weir · 2 bd · 1.5 ba · 1,034 sqft
$169,000
2380 Weir Salem Rd
Weir · 2 bd · 3 ba · 1,750 sqft
$235,000
168 N Gaston St
Ackerman · 3 bd · 2 ba · 1,584 sqft
$263,500
20 Dean Rd
Weir · 4 bd · 2 ba · 1,900 sqft
Listed by various brokerages. Verified for sale October 7, 2026; availability changes daily.
Frequently asked questions
What's the USDA income limit in Choctaw County?
+
It depends on household size and changes yearly. Look it up on the USDA eligibility site or ask a lender.
Can I buy a home with land in Choctaw County using USDA?
+
Often yes, as long as the land isn't used for income-producing farming and the property is typical for the area.
Does USDA cover manufactured homes?
+
Sometimes, if the home meets foundation, age and title rules.