Zero down homes in Bruce, Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Bruce with $0 down. 11 homes in USDA-eligible areas in Bruce were verified for sale on October 8, 2026, with a median list price of $125,000.
How Kaspar helps you in Bruce
- Checks whether a home's address is in a USDA-eligible area before you fall in love with it
- Connects you with a USDA-approved lending partner for pre-qualification
- Finds homes likely to pass the USDA appraisal (safe, sound, sanitary)
- Negotiates seller help with closing costs when possible
Homes for sale in Bruce
- Homes listed
- 11
- Median list price
- $125,000
- Median $/sq ft
- $86
- Median days listed
- 80
Source: listings verified for sale on October 8, 2026.
$96,000
232 E Calhoun St
Bruce · 3 bd · 3 ba · 2,657 sqft
$109,000
410 W Calhoun St
Bruce · 3 bd · 2 ba · 1,600 sqft
$114,000
4 County Road 272
Bruce · 3 bd · 1 ba · 1,323 sqft
$115,000
114 W Countiss St
Bruce · 2 bd · 1 ba · 864 sqft
$118,000
109 County Road 257
Bruce · 3 bd · 2 ba · 2,047 sqft
$125,000
320 S Pontotoc Rd
Bruce · 3 bd · 1 ba · 1,316 sqft
$145,000
447 E Countiss St
Bruce · 3 bd · 1.5 ba · 1,270 sqft
$170,000
209 N Pontotoc Rd
Bruce · 3 bd · 2 ba · 1,551 sqft
$190,000
213 Pilgreen Rd
Bruce · 6 bd · 3 ba · 2,268 sqft
$209,000
501 N Highway 9
Bruce · 4 bd · 3.5 ba · 3,507 sqft
Common questions
Who qualifies for a USDA loan?
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Household income must be at or below the county limit, the home must be in an eligible area and be your primary residence, and lenders usually look for a credit score around 640 and steady income. Self-employed or 1099 buyers typically need 2 years of filed tax returns.
Is a USDA loan really $0 down?
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There is no down payment, but there is a 1% upfront guarantee fee (it can be financed), an annual fee paid monthly, and closing costs, which sellers sometimes help with.
How do I check if a Bruce home is eligible?
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Enter the address in the USDA eligibility map, or send it to Kaspar and he'll check it for you.