USDA mortgage in Lafayette County, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Lafayette County with $0 down. 9 homes in USDA-eligible areas in Lafayette County were verified for sale on October 8, 2026, with a median list price of $150,000.
How Kaspar helps you in Lafayette 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 Lafayette County
- Homes listed
- 9
- Median list price
- $150,000
- Median $/sq ft
- $110
- Median days listed
- 92
Source: listings verified for sale on October 8, 2026.
$55,000
526 Highway 310
Como · 3 bd · 2 ba · 1,232 sqft
$79,000
23 County Road 5007
Como · 2 bd · 2 ba · 1,095 sqft
$109,000
60 Pr # 5007
Como · 2 bd · 2 ba · 960 sqft
$144,900
27 County Road 256
Etta · 4 bd · 2.5 ba · 2,368 sqft
$150,000
51 Business 7 N
Abbeville · 3 bd · 2 ba · 1,362 sqft
$249,900
93 County Road 374
Water Valley · 4 bd · 2 ba · 2,560 sqft
$285,000
390 County Road 204
Abbeville · 2 bd · 2 ba · 1,440 sqft
$314,900
608 County Road 428
Paris · 2 bd · 2 ba · 1,133 sqft
$320,000
313 County Road 1017
Abbeville · 5 bd · 2 ba · 2,500 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 Lafayette 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.