We are a young married couple taking care of my sisters children. We make decent money, enough to pay all of our bills, but could not ever save up any money to buy a home. A friend of mine told me that was a USDA loan we would not need any money to put down. At first I thought she was wrong, so I made a few phone calls. She was right! We did not need any sort of down payment. We applies, and we approved. Now we are shopping for the home of our dreams, and are so excited!