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How much money will I need at closing on a USDA Loan?

Ok, I have had a lot of information thrown at me in the past few months and everything seems to be blending together. I am in the process of getting my first home and am using USDA. Purchase offer, all inspections, and appraisal are done. Has anyone gone through the USDA closing process? How much, if any, monies will I need at closing? I don’t want any secret fees thrown at me. Any help is appreciated.

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How much does credit effect one from getting a home loan?

I dont know how good or bad my credit is but I am worried that credit is a big factor in getting a loan. I heard the banks are holding money only for people with perfect credit…and I know I dont have perfect credit.

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How much money should I have set aside for extra expenses when going through a USDA home loan?

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How much money will I need with a USDA Loan?

I was pre-aproved for a $120,000 USDA Loan. I know that it is no money down. But how much money would I need for everything else to get me into a house?
I don’t understand why 0% down is such a bad thing.

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