Decision guideBuying a home 2 min

FHA, VA, or USDA — which home loan fits me?

You don't need 20% down. FHA takes 3.5% down with a 580 score. VA and USDA need nothing down — if you qualify. Each has its own fees and rules, and the cheapest one for you depends on three facts about your situation. This is education, not lending advice; ask two or three lenders to price the options side by side.

Question 1 of about 3

Are you a veteran, active-duty service member, Guard/Reserve member, or an eligible surviving spouse?

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Educational only — not legal, tax, or financial advice. Typical ranges are shown; your contract, lender, and state law set the exact rules. MoneyFAQ is not a lender.