USDA loans in Coldwater, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Coldwater with $0 down. 10 homes in USDA-eligible areas in Coldwater were verified for sale on October 8, 2026, with a median list price of $214,700.
How Kaspar helps you in Coldwater
- 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 Coldwater
- Homes listed
- 10
- Median list price
- $214,700
- Median $/sq ft
- $155
- Median days listed
- 19
Source: listings verified for sale on October 8, 2026.
$95,000
1669 Arkabutla Dam Rd
Coldwater · 2 bd · 1 ba · 1,048 sqft
$165,000
1010 Barr Rd
Coldwater · 3 bd · 2 ba · 1,848 sqft
$199,900
91 Holloway Rd
Coldwater · 3 bd · 1 ba · 982 sqft
$199,999
552 Central Ave
Coldwater · 3 bd · 2 ba · 1,415 sqft
$209,500
713 West St
Coldwater · 4 bd · 1.5 ba · 1,700 sqft
$219,900
3448 Prichard Rd
Coldwater · 4 bd · 2 ba · 1,369 sqft
$245,000
5015 Arkabutla Rd
Coldwater · 4 bd · 2 ba · 1,424 sqft
$289,000
309 Wallace Dr
Coldwater · 3 bd · 2.5 ba · 1,832 sqft
$299,900
718 Mount Zion Rd
Coldwater · 4 bd · 2 ba · 1,856 sqft
$305,000
2138 Bethel Rd
Coldwater · 3 bd · 2.5 ba · 2,000 sqft
Common questions
Who qualifies for a USDA loan?
+
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?
+
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 Coldwater home is eligible?
+
Enter the address in the USDA eligibility map, or send it to Kaspar and he'll check it for you.