With zero down and a 1% upfront guarantee fee rolled in, the USDA loan amount is $227,250. At 7% (APR 7.61%) for 30 years, P&I is about $1,512/mo, plus the 0.35% annual fee (~$66/mo), Carter County taxes (~$118/mo), and insurance (~$75/mo) — all-in roughly $1,771/mo. No down payment required.
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USDA-eligible areas in the Tri-Cities
Much of Carter County (Elizabethton, Roan Mountain), Greene County (Greeneville, Mosheim), rural Washington County (Jonesborough, Telford), and parts of Sullivan and Hawkins counties are USDA-eligible. The denser cores of Johnson City, Kingsport, and Bristol typically are not. Use the USDA Eligibility Checker for your specific area, and I confirm the exact address on the official map at no cost.