Usda Loan Eligibility By Address Fha Gov Loan 100 Financing Homes For Sale Homes For Sale In Spotsylvania 100% Financing Listings Search. Communities Served. 1014 Ficklen Rd Fredericksburg, Va; 113 Hyannis Place, Stafford Va; 12008 Fawn lake pkwy; 1300 college ave; 13005 Trapp Dr Spotsylvania ; 1314 kenmore ave; 22401 Homes For sale fredericksburg; 22405 homes For Sale in Stafford; 22406 Homes For Sale in StaffordUsda Financing Guidelines USDA Loan Credit Score Requirements. The U.S. Department of Agriculture recently changed the credit requirements. A 640 FICO score is required for a USDA loan. Before this change, it was possible for homebuyers to qualify for with less than adequate credit history. These loans are Governed by: The Housing Act of 1949 as amended, 7 CFR, Part 3550,FHA loans have lower credit and down payment requirements for qualified homebuyers. For instance, the minimum required down payment for an FHA loan is only 3.5%. The FHA mortgage calculator includes additional costs, including upfront monthly mortgage insurance (MIP) and annual premiums in the estimated monthly payment.