Ethanol Subsidies and No-Money-Down Mortgages?

Who would have known? I saw this piece in the WSJ describing a mortgage program buried within the Department of Agriculture.

To be eligible for a USDA-backed loan, a borrower can't have income that exceeds 115% of the median county income, and the loans are restricted to areas with lower population density -- generally towns of no more than 25,000 residents. So while home buyers in big cities aren't eligible for the loans, residents of many of America's fastest-growing towns and exurbs do qualify. The loans that come through the program are made by private lenders, then insured by the government and sold to Ginnie Mae, a federal agency that sells mortgages to investors.

Here's an overview from USDA. Likely not eligible in Cook but maybe in a collar of a collar county.