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VA guidelines allows a veteran buy a home using their own funds, gift funds and up to 4% seller concession for closing cost. USDA loans requires a middle credit score of at least 580. The home to be purchased must be located in an eligible rural area as defined by the USDA.
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VA Home Loans – Mortgages for Veterans VA Loan Service members and veterans can buy a house with no down payment or PMI. Conventional Loan This is a common option for those using a down payment of at least 5% to buy or refinance a home. Jumbo Loan This loan is for those looking to finance a loan amount more than $484,350.