Deciding if a USDA or VA home loan is better depends on your situation and needs.
A VA loan might be the best option if you want to avoid income and loan limits or your credit score is on the lower end. Although there is a one-time VA funding fee, you may qualify for an exemption, which isn’t possible for USDA program fees.
A USDA loan may be a better option if you are looking to purchase a home in an eligible rural area or meet the low to moderate income limit. These loans also allow more opportunity when negotiating costs with the home seller.
No matter what your homebuying goals are, Veterans United is here to help. Talk with a VA home loan expert to get a complete comparison for your unique homebuying journey.