USA Home Financing offers many lending programs to first time home buyers. The lending programs are as follows: FHA Loans, Conventional loans, *USDA loans, VA loans, and Jumbo loans. Most loans only cover a certain percentage of the total loan though. However a USDA loan covers the total cost of the loan not just a percentage. In addition low income individuals will qualify even with bad credit. Conditions and restrictions do apply like having a minimum 620 credit score. If you would like more information about these loan programs please call 1-866-200-3448.