One of the nation's last sources of no money down financing for home loans appears to be making a comeback: Legislation that restores a Department of Agriculture home-buying program is headed to President Barack Obama's desk for signature. The legislation makes the USDA's Single-Family Housing Guaranteed Loan Program self-sufficient, the National Association of Realtors reports. Borrowers will have to pay a higher "guarantee fee" of 3.5% -- essentially upfront mortgage insurance–but the fee can be folded into the mortgage.