To the average borrower it may appear that the Rural Development loan that is ran by the USDA is currently not being offered, but it is! It's a fact that RD ran out of money earlier this year, but there has been a 2.5 Billion dollar infusion of cash to tide this program over.
Some lenders are still not accepting loans for this program because they simply have not realized it's back up and running. Rest assured that this loan is available. Borrowers can still buy homes with zero money down, no PMI, and great interest rates.