A USDA home loan takes 30-45 days to get approved. The United States Department of Agriculture (USDA) offers various types of loans to help low-income people buy, repair, or renovate homes in rural areas. The most common type of USDA loan is the Single Family Housing Direct Loan, which can provide up to 100% financing for a home. No minimum credit score is required for this loan, but you will need to prove that you have a steady income and can make your monthly payments.