USDA mortgage in Tate County, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Tate County with $0 down. 35 homes in USDA-eligible areas in Tate County were verified for sale on October 8, 2026, with a median list price of $229,000.
How Kaspar helps you in Tate 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 Tate County
- Homes listed
- 35
- Median list price
- $229,000
- Median $/sq ft
- $155
- Median days listed
- 29
Source: listings verified for sale on October 8, 2026.
$64,900
1418 Highway 3
Sarah · 3 bd · 1 ba · 1,944 sqft
$95,000
1669 Arkabutla Dam Rd
Coldwater · 2 bd · 1 ba · 1,048 sqft
$119,900
1513L R L Rd
Senatobia · 3 bd · 1 ba · 1,065 sqft
$120,000
234 Senatobia Dr
Senatobia · 1 bd · 1 ba · 600 sqft
$139,900
303 Crawford St
Senatobia · 2 bd · 1 ba · 848 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
$200,000
663 Ridge Rd
Sarah · 3 bd · 2 ba · 1,128 sqft
$209,500
713 West St
Coldwater · 4 bd · 1.5 ba · 1,700 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 Tate 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.