FHA VS Conventional loan programs in Charlottesville, Charlottesville County, Virginia
In 2026, the maximum Conventional loan amount in Charlottesville, situated in the county of Charlottesville, VA, is $726,200. Meanwhile, the single-family home FHA limit is $546,250.
Leverage the Lendersa® Conventional loan calculator to compare the prevailing rates for Conventional, FHA, and USDA loans. Assess the income, credit score, reserves, and necessary documents to qualify. Our mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine which program in VA suits your financial situation best.
2026 Loan Limits and Down Payment Requirements in Charlottesville, County of Charlottesville, VA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$428,700
0%
FHA
$546,250
3.5%
This table is relevant for zip codes: 22901, 22902, 22903, 22905, 22906, 22909
Conventional and FHA Loan Options in Charlottesville, VA
The objective of Lendersa® is to connect you with the most advantageous Conventional, USDA, or FHA loan quickly and without difficulty. Choose from one of three starting options that lead to matched lenders and loan programs.
Mohsin Mortgage Corp. is a wholesale mortgage brokerage, designed to service your financial needs. We offer the best possible rates from the Federal Housing Administration. Specializing in Conventional, FHA, and VA loans, our experienced brokers will get you the best available mortgage rate
At Team First FCU, we are committed to serving the needs of our membership. We understand that our members make us who we are and serving them is our number one priority. We offer a wide range of services to meet all your needs. The Team First Federal Credit Union began as the Teamsters Local #771 Federal Credit Union on February 15, 1962.
HomeSale Mortgage, LLC is your hometown mortgage company. As a subsidiary of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. HomeSale Mortgage, LLC is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology.
Ideal Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage
Ezra Javasky is the founder and CEO of JP Real Estate Funding. Ezra has been in the hard money space since 2013, having funded over $200mm in both short and long term loans. He works with both experienced and new investors helping them finance flips and rentals nationwide. His knowledge, experience throughout his career and great customer service
Fidelity Bank is a full-service financial institution with assets of approximately $3.4 billion headquartered in Fuquay-Varina, North Carolina. The Bank owns and operates 58 branches throughout North Carolina, Virginia, and South Carolina.
For over 100 years, Fidelity Bank's vision has remained the same; to be the independent, sound.
InFirst Bank has a served the financial needs for local communities as an independent bank for 100 years. We have proudly remained headquartered in downtown Indiana since we opened in 1922. Originally chartered as a mutual institution, InFirst Bank was initially known as Indiana County Building & Loan Association.
Marion Center National Bank opened its doors during the summer of 1905. These one hundred plus years have seen many landmark events. When President Roosevelt ordered all banks to close on March 4, 1933 for the “Bank Holiday, ” MCNB pulled its door blind down half way and continued to operate.
