Buyers hoping to purchase homes outside of big cities often turn to USDA loans for one big reason: These mortgages don’t require a down payment. U.S. Department of Agriculture (USDA) loans help low- to middle-income buyers in more rural areas and further-out suburbs. Backed by the federal government, they can help first-time buyers looking to purchase their own slice of peace and quiet. However, USDA loans come with a few caveats. They’re only available in certain areas, and borrowers who use...