USDA mortgage in Benton County, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Benton County with $0 down. 21 homes in USDA-eligible areas in Benton County were verified for sale on October 8, 2026, with a median list price of $185,000.
How Kaspar helps you in Benton County
- 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 Benton County
- Homes listed
- 21
- Median list price
- $185,000
- Median $/sq ft
- $126
- Median days listed
- 62
Source: listings verified for sale on October 8, 2026.
$69,500
109 Locust St
Hickory Flat · 3 bd · 2 ba · 1,200 sqft
$84,900
1254 County Road 7
Hickory Flat · 1 bd · 1 ba · 293 sqft
$85,000
622 Lakeside Dr
Walnut · 2 bd · 1 ba · 720 sqft
$89,000
397 Locust St
Hickory Flat · 3 bd · 1 ba · 1,162 sqft
$129,000
10890 MS 5
Ashland · 3 bd · 1.5 ba · 1,186 sqft
$142,900
1520 Country Church Rd
Lamar · 3 bd · 1 ba · 1,209 sqft
$145,000
16471 Boundary Dr
Ashland · 2 bd · 1 ba · 1,149 sqft
$149,900
18780 Highway 5
Lamar · 2 bd · 1 ba · 1,088 sqft
$184,500
120 Main St
Ashland · 3 bd · 1 ba · 1,576 sqft
$185,000
5110 MS 5
Hickory Flat · 3 bd · 2 ba · 1,522 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 Benton County 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.