In terms of the USDA loan program, well as stated you have to check to see if the property falls into the USDA map area. You can do this by going to:
In addition to that USDA loans are at approx 60 days to process so please factor that into your home buying process.
Lastly you may want to talk to your lender about Indiana housing, it is a grant program for first time home buyers and the kicker of it is this. You don't really have to be a first time home buyer, meaning if you have not owned a home in "x" amount of years you may be eligible again. I believe it's three years.
Hope this helps and good luck!
Depending on your situation a professional can advise you on your best options.
If you would like to discuss your goals and receive recommendations of local lenders, please feel free to contact me.
USDA Loans at 0% down
FHA Loans at 3.5% down,
Conventional Loans at 5%
...and sometimes additional state programs. Here in Wisconsin we have WHEDA as well. In any case, you'll qualify for the best rates and no PMI with a 20% down payment, but other options are out there.