Zero down home loans in Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas with $0 down. 1071 homes in USDA-eligible areas in North Mississippi were verified for sale on October 8, 2026, with a median list price of $199,900.
How Kaspar helps you in North Mississippi
- 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
- Homes listed
- 1071
- Median list price
- $199,900
- Median $/sq ft
- $123
- Median days listed
- 72
Source: listings verified for sale on October 8, 2026.
$11,000
413 Boone St
Grenada · 2 bd · 2 ba · 732 sqft
$17,500
20899 MS 14
Louisville · 2 bd · 1 ba · 1,148 sqft
$20,000
1065 Sandy Creek Dr
Hickory Flat · 1 bd · 1 ba · 375 sqft
$22,000
517 N College St
Booneville · 2 bd · 2 ba · 1,182 sqft
$25,000
126 Berry Ave
Webb · 3 bd · 1 ba · 1,176 sqft
$27,200
16789 MS 490
Louisville · 3 bd · 2 ba · 1,152 sqft
$27,600
256 W Main St
Webb · 3 bd · 1 ba · 2,056 sqft
$28,500
34 Old Highway 15
Maben · 2 bd · 2 ba · 1,340 sqft
$29,900
1455 Q T Todd Dr
Ecru · 2 bd · 1 ba · 953 sqft
$29,900
1208 Bergland St
Water Valley · 1 bd · 1 ba · 2,017 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 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.