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Borrowers can typically expect the USDA loan process to take anywhere from 30 to 60 days, depending on the qualifying conditions. Get Started. Check your USDA.

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Each lender decided based on a variety of factors for each veteran. Lenders have to explain why they approve any loan above a 41% limit. Basic housing & sustenance allowance count toward qualifying. USDA: 29% – 41%: 41%: Loans geared toward borrowers in rural markets with incomes below % of the local median income. See more details here.

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Mar 18,  · USDA Loan: FHA Loan: Minimum Down Payment: 0%: %: Minimum Credit Score: Upfront Mortgage Insurance Fee* 1% of loan amount: % of loan amount: Annual Mortgage Insurance Rate.