USDA loans in Yalobusha County, simplified
By Kaspar Caldwell, REALTOR® · Reviewed
USDA $0 down loans in Yalobusha County, Mississippi made simple: who qualifies, eligible areas near Water Valley, costs, and real examples of homes for sale right now.
Short answer
In Yalobusha 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, 35 homes were for sale in USDA-eligible parts of Yalobusha County under $325,000, with a median list price of $198,000.
Key takeaways
- As of October 7, 2026, 35 homes were for sale in USDA-eligible parts of Yalobusha County under $325,000, with a median list price of $198,000.
- 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 Yalobusha County
Most of Yalobusha County qualifies, including areas around Water Valley. Homes are currently listed in Water Valley, Coffeeville, Tillatoba, Oakland.
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 Yalobusha 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 Yalobusha County
$29,900
1208 Bergland St
Water Valley · 1 bd · 1 ba · 2,017 sqft
$98,500
75 Bailey Ave
Coffeeville · 3 bd · 2 ba · 1,564 sqft
$138,000
107 Longview Dr
Coffeeville · 2 bd · 1 ba · 1,061 sqft
$199,900
826 Blackmur Dr
Water Valley · 2 bd · 1 ba · 1,440 sqft
$240,000
7829 Highway 330
Coffeeville · 3 bd · 2 ba · 1,935 sqft
$298,500
615 N Main St
Water Valley · 2 bd · 2 ba · 1,470 sqft
Listed by various brokerages. Verified for sale October 7, 2026; availability changes daily.
Frequently asked questions
What's the USDA income limit in Yalobusha County?
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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 Yalobusha County using USDA?
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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?
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Sometimes, if the home meets foundation, age and title rules.