USDA mortgage in Union County, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Union County with $0 down. 48 homes in USDA-eligible areas in Union County were verified for sale on October 8, 2026, with a median list price of $231,000.
How Kaspar helps you in Union 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 Union County
- Homes listed
- 48
- Median list price
- $231,000
- Median $/sq ft
- $154
- Median days listed
- 72.5
Source: listings verified for sale on October 8, 2026.
$20,000
1065 Sandy Creek Dr
Hickory Flat · 1 bd · 1 ba · 375 sqft
$59,900
211 E Main St
New Albany · 3 bd · 2.5 ba · 2,826 sqft
$72,900
1055 County Road 222
Blue Springs · 3 bd · 2 ba · 1,216 sqft
$109,000
1185 Highway 355
Etta · 2 bd · 1 ba · 784 sqft
$110,000
310 Sub Station Rd
New Albany · 4 bd · 3 ba · 1,631 sqft
$110,000
1447 County Road 278
Blue Springs · 2 bd · 1 ba · 1,152 sqft
$124,900
1025 County Road 26
Myrtle · 2 bd · 1 ba · 1,470 sqft
$124,999
2073 MS 30
Dumas · 4 bd · 2.5 ba · 2,240 sqft
$149,900
303 Alabama St
New Albany · 4 bd · 2 ba · 2,962 sqft
$165,000
1159 Lake Breeze Dr
Hickory Flat · 2 bd · 2 ba · 1,050 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 Union 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.