FHA VS Conventional loan in Portsmouth, Portsmouth County, Virginia

For 2026, the Conventional loan limit applicable in Portsmouth, county of Portsmouth, VA, stands at $726,200, while the FHA limit set for a single-family home is $507,150.

Explore the Lendersa® Conventional loan calculator to contrast the current rates of Conventional, FHA, and USDA loans. Determine what income levels, credit scores, reserve amounts, and documentation are necessary to qualify. Using our sophisticated mortgage calculator, you can view Conforming Conventional loans along with USDA, FHA, and VA options side by side, aiding in your decision about which program in VA is best suited for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Portsmouth, County of Portsmouth, VA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $0 0%
FHA $507,150 3.5%

This applies to the specified zip codes: 23709

Options for Conventional and FHA Loans in Portsmouth, VA

Lendersa® strives to connect you quickly and seamlessly with the ideal Conventional, USDA, or FHA loan options. Start with one of three available pathways, designed to result in matched lenders and loan programs tailored to your needs.

USDA loan request results from Lendersa


Portsmouth Lenders

  • Coastal Key Acquisitions
  • 440 Monticello Ave, Norfolk, VA, 23510
  • Lends in Virginia
  • Coastal Key Acquisitions connects borrowers with the right capital source — fast. We specialize in hard money, bridge, and commercial loans nationwide. As a veteran-owned firm based in Hampton Roads, VA, we bring integrity and deal expertise to every transaction. Residential, commercial, and land deals welcome. Let’s close.

  • Temple Mortgage LLC
  • 440 Monticello Ave, Suite 1850, Norfolk, VA, 23510
  • Lends in Virginia
  • Temple Mortgage LLC is a company dedicated to providing quality financial services. We specialize in offering the lowest rates available and tailoring the services to meet the needs of our customers. Our qualified staff is available to answer any questions regarding property purchases, ReFinancing of primary and secondary property.

  • Port of Hampton Roads ILA Federal Credit Union
  • 1355 International Terminal Boulevard, Suite 102, Norfolk, VA, 23505
  • Lends in Virginia
  • The Port of Hampton Roads ILA Federal Credit Union is a financial institution owned and controlled by it's members. It continues to exist solely for the financial benefit of it's members through their ability to save money in the form of Share (deposits), purchasing of savings certificates (certificates of deposits) and other savings mechanisms.

  • ABNB Federal Credit Union
  • 830 Greenbrier Circle, Chesapeake, VA, 23320
  • Lends in Virginia
  • ABNB Federal Credit Union celebrating over 62 years of serving members. As a member owned financial institution, we’ve grown to over 78, 000 members, have over $780 million in assets, and are a regional financial institution serving members in Greater Hampton Roads and Northeastern North Carolina through the Outer Banks.

  • Tidewater Home Funding, LLC
  • 1108 Eden Way North, Chesapeake, VA, 23320
  • Lends in Virginia
  • Tidewater Home Funding, LLC has been helping neighbors across Hampton Roads and Northeast North Carolina realize the dream of homeownership. Processing, underwriting, loan closing, and funding functions are local and performed in-house enabling our team to provide the utmost in customer service.

  • CMS Mortgage Solutions Inc.
  • 1612 Centerville Turnpike, Suite 307, Virginia Beach, VA, 23464
  • Lends in Virginia
  • CMS Mortgage Solutions has expanded and are financing homes in District of Columbia, Maryland, Florida, Pennsylvania, North Carolina, and Virginia. Thriving on current market knowledge, we pride ourselves in offering loan programs to benefit every consumer. CMS Mortgage Solutions was founded by Corrina Carter in 2004

  • Dragas Mortgage Company
  • 4532 Bonney Rd, Suite A, Virginia Beach, VA, 23462
  • Lends in Virginia
  • Dragas Mortage is a locally owned and operated lender in Hampton Roads for over 50 years. We provide personalized mortgage lending across Virginia. Whether purchasing a home or refinancing, our dedicated team will help you get prequalified quickly and easily and help you every step of the way. We're local and we're here for you

  • OVM Financial
  • 5040 Corporate Woods Drive, Suite 100, Virginia Beach, VA, 23462
  • Lends in Virginia
  • Welcome to the McNulty Team at OVM Financial, where superior service meets down to earth reliability. Our team provides an unparalleled level of mortgage understanding, allowing you to enjoy a smooth and seamless process. We aim to serve you, and we take great pride in exceeding your expectations.

  • Virginia Wholesale Mortgage Incorporated
  • 249 Central Park Ave, Suite 300, Office 116, Virginia Beach, VA, 23462
  • Lends in Virginia
  • Whether you’re buying, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who gives you quick and accurate financial advice.