FHA VS Conventional loan in Richmond, Richmond County, Virginia
In 2026, the conventional loan limit in Richmond, located in Richmond county, VA, is $726,200, whereas the FHA limit for a single-family home is $546,250.
Utilize Lendersa®'s Conventional loan calculator to compare today's best rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage tool displays Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in deciding the best program in VA for your financial needs.
2026 Loan Limits and Downpayment Requirements in Richmond, Richmond, VA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$546,250
3.5%
This table applies to zip codes: 23222
Explore Conventional and FHA Loan Options in Richmond, VA
The goal of Lendersa® is to quickly connect you with the best Conventional, USDA, or FHA loan, avoiding hassle. Choose from three starting points to align with the ideal lenders and loan programs.
We are a full-service mortgage company based in Richmond, VA. We specialize in VA Loans, FHA Loans,& JUMBO Loans in Richmond. We also serve the surrounding cities in Richmond City County. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank. Atlantic Union Bank has 149 branches located throughout Virginia, and in portions of Maryland and North Carolina. We believe people have a right to expect more from the companies they do business with – and they can expect more from Atlantic Union Bank.
LendingDeck is a nationwide lender that provides short-term fix & flip loans and long-term rental financing for real estate investors. Our loans, often called hard money loans, can be used for purchasing or ReFinancing non-owner occupied residential properties, funding renovation projects, and financing long-term rentals.
The Richmond Virginia Fire Police Credit Union, Inc. is sponsored by the City of Richmond, Virginia's Department of Fire and Emergency Services, Police Department and its affiliates. We are a member-owned, not-for-profit financial cooperative. Our mission is to serve the most precious commodity which is our members and their families.
Credit Union of Richmond, Virginia’s longest continuously running credit union. We are a member-owned financial cooperative that is dedicated to building members dreams by offering quality personalized services that go above and beyond to fulfill your financial needs. Every member has different financial needs.
Liberty Mortgage has been serving the Richmond community with mortgage lending options and superior customer service from experienced local experts. Located in the heart of the fan district in the Branch Museum of Architecture, Liberty Mortgage is one of the only remaining independent mortgage brokers in the city.
1st Financial Mortgage is a Virginia mortgage company based in Richmond that is dedicated to helping Virginia home buyers and homeowners purchase and refinance their homes. We aim to provide extraordinary customer service, excellent interest rates, and low closing costs for every customer.
Professional Mortgage Corp., a Virginia Corporation was established in 1987 and has the distinction of being the oldest locally owned and located mortgage company licensed by the Virginia Bureau of Financial Institutions. It was founded by lifetime Virginia Residents Tim Estes and Herbert Weisberger
Fidelity Capital Mortgage Company (FCMC) is an independent Mortgage Lender dedicated to providing our customers with superior service. Our mortgage professionals are committed to making sure each client understands their financing options, and gets the loan that best meets their needs
