USDA loans in Union County, simplified

By Kaspar Caldwell, REALTOR® · Reviewed October 7, 2026

USDA $0 down loans in Union County, Mississippi made simple: who qualifies, eligible areas near New Albany, costs, and real examples of homes for sale right now.

Short answer

In Union 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, 48 homes were for sale in USDA-eligible parts of Union County under $325,000, with a median list price of $231,000.

Key takeaways

As of October 7, 2026, 48 homes were for sale in USDA-eligible parts of Union County under $325,000, with a median list price of $231,000.
Check the county income limit on the USDA eligibility site.
Budget for closing costs; sellers can help.
See real example homes below.

Union County, Mississippi (county seat: New Albany).

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 Union County

Most of Union County qualifies, including areas around New Albany. Homes are currently listed in Hickory Flat, New Albany, Blue Springs, Etta, Myrtle, Dumas.

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 Union 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.