Zero down homes in Saltillo, Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Saltillo with $0 down. 32 homes in USDA-eligible areas in Saltillo were verified for sale on October 8, 2026, with a median list price of $229,450.
How Kaspar helps you in Saltillo
- 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 Saltillo
- Homes listed
- 32
- Median list price
- $229,450
- Median $/sq ft
- $145
- Median days listed
- 69
Source: listings verified for sale on October 8, 2026.
$144,900
643 County Road 821
Saltillo · 4 bd · 3 ba · 2,880 sqft
$145,000
205 Fellowship Rd
Saltillo · 3 bd · 1 ba · 1,484 sqft
$157,900
300 Drive 1227
Saltillo · 2 bd · 1.5 ba · 1,564 sqft
$162,000
142 Drive 1227
Saltillo · 3 bd · 1 ba · 1,017 sqft
$169,900
1408 Beech Springs Rd
Saltillo · 3 bd · 2 ba · 1,233 sqft
$170,000
2430 Barnes Crossing Rd
Saltillo · 3 bd · 2 ba · 1,628 sqft
$170,000
123 County Road 2296
Saltillo · 2 bd · 1 ba · 985 sqft
$174,000
117 Willow Creek Rd
Saltillo · 3 bd · 2 ba · 1,220 sqft
$180,000
131 County Road 1119
Saltillo · 3 bd · 1 ba · 1,728 sqft
$185,000
124 Maplewood Dr
Saltillo · 3 bd · 2 ba · 1,422 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 Saltillo 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.