USDA Rural Development has 2 low interest, no-down-payment loans avaliable to help families in rural communities purchase homes. 

Direct Loan- To qualify for this loan, household incomes must fall under income limits (visit http://eligibility.sc.egov.usda.gov) .  No down payment is required and closing costs are included in the loan.  Under this program, an applicant may be eligible for payment assistance, which could subsidize the interest portion of the payment down to as low as 1%- lowering the overall monthly payment! 

Guarantee Loan- Requires no down payment & offers a 30-year fixed rate mortgage at bank interest rates for the purchase of a home.  This is administered by a local lender wtho takes the application, processes it and determines the acceptability of the home to be financed.

www.rurdev.usda.gov/ia