Zero down, no PMI, and a fixed rate for buyers in Warrensburg — one of the last true 0%-down mortgages in America. I verify address-level eligibility before you shop.
Finance up to 100% of appraised value.
Lowest of any government loan program.
Competitive fixed terms, no ARMs.
Household income limit by county.
A historic Adirondack gateway town on the Schroon River, known for its antiques, the “World’s Largest Garage Sale” and access to the mountains. Affordable homes appeal to buyers wanting a foothold up north. Much of Warrensburg's footprint typically falls within USDA's eligible rural area map — I verify the exact address before you make an offer, since eligibility is drawn by USDA boundary, not town line.
USDA draws its own rural-area map — it doesn't follow town or county lines. I run every address in Warrensburg through the USDA eligibility tool before you write an offer.
Rural properties in Warrensburg often run on private well and septic. USDA follows HUD/FHA property standards — distance and inspection requirements apply if the appraiser flags an issue.