Hello, I'm a mortgage professional.
I do USDA loans.
Besides pre approving my borrowers for the loan I usually look the property address up to make sure it falls in the eligible areas for a USDA loan. USDA loans are limited to certain areas. There are also income limits with USDA loans. It's best to have all of this evaluated before putting an offer in.
Another option with less restrictions is an FHA loan, you need to put down 3.5% but you are allowed to roll in closing costs using a sellers concession.
If you have any other questions or need help with this you are welcome to get in touch with me.