Unlike VA loans, however, only borrowers who earn no more than 115% of the area median income are eligible for USDA loans. Yes — click here for detailsBest USDA lendersHere are some of our top choices for USDA loans in a variety of categories. Types of loans Conventional loans, construction loans, FHA loans, VA loans, USDA loans and Jumbo loansTerms 15-year to 30-yearCredit needed Some loans require a 620 credit score, some require a 540 credit score or no credit score at all. Yes, anyone can assume a VA loan, whether they are eligible for a VA loan or not. You can refinance a USDA loan using the USDA Streamline Refinance program.

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