FHA VS Conventional loan in Smithfield, Isle of Wight County, Virginia
In 2026, the conventional loan limit for the city of Smithfield, located in Isle of Wight county, VA, is $726,200. The FHA cap for a single-family home is $507,150.
Utilize the Lendersa® Conventional loan calculator to evaluate the best current rates between Conventional, FHA, and USDA loans. Assess the necessary income, credit, reserves, and documents required for qualification. This advanced mortgage tool lets you see side by side Conforming Conventional, USDA, FHA, and VA loans, helping you choose the ideal program in VA for your financial needs.
2026 Loan Limits and Down Payment Guidelines in Smithfield, County of Isle of Wight, VA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$391,000
0%
FHA
$507,150
3.5%
This comparison table applies to these zip codes: 23430
Considering Conventional and FHA Loan Plans in Smithfield, VA
The objective of Lendersa® is to efficiently connect you with the optimal Conventional, USDA, or FHA loan, free from hassle. Select one of three starting approaches that align you with suitable lenders and loan options.
Virginia Educators Credit Union (VECU) is a financial organization established and directed by members of the educational community in the cities of Newport News, Williamsburg, and their surrounding counties. The credit union was established in 1954 as the Warwick Teachers’ Association Credit Union.
In 1928, nine shipyard workers from Newport News Shipbuilding formed an organization with a specific purpose as a low-interest source of loans and a trusted place to deposit money. Today, BayPort Credit Union is rated a Superior 5-Star Credit Union by Bauer Financial, managing $2.2 billion in assets
11815 Fountain Way, Suite 300, Office 364, Newport News, VA, 23606
Lends in Virginia
At Allegiance Home Lending, our mission is to provide our clients with high-quality mortgage brokerage services, serving them with honesty and integrity. We strive to make the process easier by educating and handholding them each step of the way. We focus on obtaining the lowest rates
11815 Fountain Way, Suite 300, Newport News, VA, 23606
Lends in Virginia
MMMT Mortgage is a premier mortgage company that has been serving home buyers in Virginia and Maryland since 2006. I am a licensed and experienced loan officer with wide-ranging trade expertise and a lifelong passion for assisting people in need. As your mortgage broker, I promise to use my skills, products, and network to serve you.
742 Thimble Shoals Boulevard, Suite A, Newport News, VA, 23606
Lends in Virginia
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
11780 Jefferson Ave, Suite C, Newport News, VA, 23606
Lends in Virginia
Old Point is a family of organizations designed to meet all of your financial needs. Their employees live, work, and shop in the footprint in which they serve, and they pride themselves on creating a better community every day. Visit OldPoint.com to discover Old Point National Bank, Old Point Trust, Old Point Mortgage, and Old Point Insurance.
11864 Canon Boulevard, Suite 103B, Newport News, VA, 23606
Lends in Virginia
For over 30 years, garrett Realty Partners have been realty experts in Hampton Roads because of their knowledge of the area, the innovations they've made in the real estate industry, their passion for helping people and the opportunities they provide to their clients and their agents.
Newport News Municipal Employees Credit Union is a nonprofit, cooperative savings and lending organization. It is owned and controlled by its members. The Credit Union was granted a state charter on September 21, 1950. After 25 years of operation the credit union reached its first $1 million in assets.
1st Advantage has long been a Virginia-based credit union focused on you, our member. As a not-for-profit financial institution, we're structured to save you more money and pay you higher dividends while providing convenient tools and personal, knowledgeable service and 1st Advantage Federal has grown from a cigar box with $500 to local community.
