USDA Loans vs. VA LoansVA loans are the other type of zero down payment mortgage and a great option for qualifying veterans and service members. Here’s how they compare to USDA loans in particular:Eligibility and Property RulesUSDA loans are limited to eligible rural and suburban areas. Income and Loan LimitsVA loans do not have income caps like USDA loans. If USDA loans aren’t an option due to location or income limits, FHA loans are a strong choice. Down Payment and CreditUSDA loans require no down payment, while FHA loans require at least 3.5% down if your credit score is 580 or higher.