Hi Amcdonald, this information is directly from the site for USDA in Delaware. Be sure you are working with a lender that does USDA as they will have the answers you are seeking. If you are going thru USDA directly, USDA will also have that info. I do have a pamphlet I can send or email you if you like that may be helpful or lenders who can answer your questions further. I can tell you this is an awesome program and all Sussex County qualifies! If you have questions or want me to send that pamphlet to you just let me know. Good luck.
Sellers can pay closing cost
Closing cost can be financed into the loan (loan cannot exceed the appraised value)
No mobile homes
No major "fixxer-upper" type homes
Typically, a 620 credit score is all that is needed to qualify
Past, discharged bankruptcy can be accepted