100% Financing is still available in today's world. USDA is still available in all of the rural areas in Arizona. What are the benefits of a USDA loan? USDA use to have pretty tight income limits, which have changed. Currently the household income limits are 73,600 for a family of 1-4 persons, or 97,150 for a family with more than 4 persons in the household. USDA allows 100% Financing, so if you were to put in an offer on a property that would qualify for USDA and your asking the seller to pay for the closing cost, you could actually move into a home for less than 500.00 which would cover the appraisal. It is your option if you would like to get a home inspection completed on the property. I do suggest that you do, just so that you know exactly what if anything is wrong with the property. The home prices are low right now, the interest rates are still low and there has never been a better time to buy than now at 100% Financing.