USDA Home Loans. For properties that qualify, you may be able to finance 100 percent of the purchase price of the home on a 30 year fixed interest loan. Because the USDA loan program does not require a down payment, you can hold onto the money you would have put down on another property outside the USDA loan area. Or, you can use the down payment funds to repair or improve the property. It’s your call under the terms of a USDA home loan.