USDA Loan and First Time Home BuyerI want to buy my first home hopefully in the range of 150,000 or below. I have good credit and a very stable teaching job. I just started this year and was previously in graduate school for two years. I have about 6000$ in savings and am hoping to increase that total. I know I should have more before I buy, but I'm wondering how much mortgage companies are looking for you to have in the bank.? I have a low debt to income ratio, but I do still have monthly student loan payments. I know that USDA loans do not require a down payment. Would this be a good option for me in my current situation? Also, should I try to talk to a realtor before I get pre-approved or pre-qualified? February 21 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.