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Read more (cfpb.gov/askcfpb/2011) USDA loan programs with no down payment and generally favorable interest rates to rural homebuyers who meet the USDA’s income eligibility requirements. ning-a-home/loan-options/special-loan-programs/). VA loan servicemembers, veterans, and eligible surviving spouses buy homes. The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender. The loans generally are only available for a primary residence. If you’re a veteran, find out if a VA loan is the right fit for you (cfpb.gov/askcfpb/113). An official website of the United States government