Zero down homes in Pontotoc, Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Pontotoc with $0 down. 36 homes in USDA-eligible areas in Pontotoc were verified for sale on October 8, 2026, with a median list price of $237,000.
How Kaspar helps you in Pontotoc
- 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 Pontotoc
- Homes listed
- 36
- Median list price
- $237,000
- Median $/sq ft
- $144
- Median days listed
- 39.5
Source: listings verified for sale on October 8, 2026.
$38,900
125 N College St
Pontotoc · 2 bd · 1 ba · 1,150 sqft
$115,000
1252 Wilson Chapel Rd
Pontotoc · 3 bd · 1 ba · 1,215 sqft
$120,000
142 N College St
Pontotoc · 2 bd · 1 ba · 924 sqft
$125,000
1113 New Salem Rd
Pontotoc · 3 bd · 2 ba · 1,200 sqft
$154,900
412 Coggins Loop
Pontotoc · 3 bd · 2 ba · 1,792 sqft
$155,000
3333 Highway 342 Rd
Pontotoc · 4 bd · 2 ba · 1,489 sqft
$164,500
830 Rowland Rd
Pontotoc · 3 bd · 2 ba · 1,152 sqft
$167,000
725 Rocky Ford Rd
Pontotoc · 2 bd · 2 ba · 824 sqft
$179,500
377 Pineridge Dr
Pontotoc · 2 bd · 1.5 ba · 1,222 sqft
$189,000
189 Nixon St
Pontotoc · 3 bd · 1.5 ba · 1,070 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 Pontotoc 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.