Zero down homes in Ecru, Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Ecru with $0 down. 5 homes in USDA-eligible areas in Ecru were verified for sale on October 8, 2026, with a median list price of $182,000.
How Kaspar helps you in Ecru
- 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 Ecru
- Homes listed
- 5
- Median list price
- $182,000
- Median $/sq ft
- $164
- Median days listed
- 66
Source: listings verified for sale on October 8, 2026.
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 Ecru 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.