Which Loan has the Best Terms for Low Down payment, or Zero Down Buyers?

You can purchase another home with RD Financing while still owning another home. RD allows this when the current home is no longer adequate (there are specific requirements for this), if the current home needs retrofitted to meet handicap needs and cost would be extraordinary or if the current home would not be within a reasonable and customary commuting distance.
Outbuildings such as pole barns (or pole barns) can now be used in the appraised value. RD no longer requires that the contributory value of barns be subtracted from the appraised value!
Higher acreage lots can be financed with RD. As long as the property is not income producing, and the appraiser states that the highest and best use is for residential purposes, there is No percentage test that the home (dwelling) has to meet as part of the total parcel. In other words, it may be possible to finance a three bedroom, 1.5 bath home on 30-40 acres. RD requires that the property be residential in nature without income or agricultural activities currently or projected.
RD allows the loan amount to be based on the higher of the sales price and the appraised value. For example, if the appraisal comes in $3,000 higher than the sales price, the borrower may finance in $3,000 of the closing fees & prepaid escrows, repairs and other eligible costs back into the loan.