This is the USDA eligibility website. USDA is approved based on your family size's income and the location of the home. I recommend you working with a lender to determine final approval but it's a pretty easy site to look around. You can also as Realtors suggested ask the seller to pay closing costs but it's different with new construction. Do you have a Realtor on your side?
You can also raise the rate slightly and have the lender pay some or all of the closing costs.
Hope this was helpful and please let me know if you have any other questions.
Senior Loan Officer
1ST Mariner Mortgage
Lending in all 50 states