One of the biggest difficulties many first-time home buyers face is a lack of down payment and the necessary funds for closing costs. However, even with the widespread availability of "no-money-down programs" evaporating in the credit crisis, one national no-down payment program still remains: USDA Rural Development home loans. Helps Homebuyers in Rural Harris County Guaranteed by the USDA (United States Department of Agriculture), this program might make you think that you have to buy farmland or live "in the … [Read more...]