Zero down homes in Holly Springs, Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Holly Springs with $0 down. 29 homes in USDA-eligible areas in Holly Springs were verified for sale on October 8, 2026, with a median list price of $199,900.
How Kaspar helps you in Holly Springs
- 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 Holly Springs
- Homes listed
- 29
- Median list price
- $199,900
- Median $/sq ft
- $115
- Median days listed
- 125
Source: listings verified for sale on October 8, 2026.
$79,900
370 E College Ave
Holly Springs · 4 bd · 2 ba · 1,844 sqft
$90,000
128 Isom Dr
Holly Springs · 3 bd · 1.5 ba · 1,200 sqft
$110,000
814 Hogan Rd
Holly Springs · 3 bd · 2 ba · 2,000 sqft
$111,900
510 Highway 178 E
Holly Springs · 3 bd · 1 ba · 941 sqft
$115,000
175 Chatham Dr
Holly Springs · 4 bd · 2 ba · 1,472 sqft
$129,900
195 N Walthall St
Holly Springs · 6 bd · 2.5 ba · 4,200 sqft
$143,000
270 Johnson Park
Holly Springs · 3 bd · 1 ba · 1,742 sqft
$145,000
128 Barry Rd
Holly Springs · 3 bd · 2 ba · 1,880 sqft
$149,000
24 Evergreen Ln
Holly Springs · 3 bd · 1 ba · 1,450 sqft
$162,239
280 S Memphis St
Holly Springs · 3 bd · 2 ba · 0 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 Holly Springs 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.