FHA VS Conventional loan programs in Staunton, Staunton County, Virginia

In 2026, the Conventional loan limit in Staunton, located in the county of Staunton, VA, is $726,200. For a single-family home, the FHA loan limit is set at $472,030.

Leverage the Lendersa® Conventional loan calculator to review rates effectively comparing Conventional, FHA, and USDA loans currently offered. Determine what levels of income, credit readiness, reserves, and documents are needed to qualify. Our comprehensive mortgage calculator presents a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, assisting you in identifying which financial program in VA aligns with your unique situation.

Assess and contrast loan offers from an array of 100 lenders

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

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $285,000 0%
FHA $472,030 3.5%

These details apply to the following zip codes: 24401

Exploring Conventional and FHA Loan Alternatives in Staunton, VA

At Lendersa®, our primary goal is to connect you with the most appropriate Conventional, USDA, or FHA loans efficiently and without difficulty. Choose from three options to begin, each leading to ideal lender matches and tailored loan programs.

Results from Lendersa's USDA loan requests and matching processes


Staunton Lenders

  • Frontier Community Bank
  • 400 Lew Dewitt Blvd, Waynesboro, VA, 22980
  • Lends in Virginia
  • Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services.

  • DuPont Community Credit Union
  • 140 Lucy Ln, Waynesboro, VA, 22980
  • Lends in Virginia
  • DCCU is a member-owned, not-for-profit, full service financial cooperative committed to providing affordable financial solutions to its member owners. Founded in 1959, DCCU currently serves more than 100, 000 members and has over $1.5 Billion in assets.headquartered in Waynesboro, operates 13 branches in the Central Shenandoah Valley region.

  • Park View Federal Credit Union
  • 1675 Virginia Ave, Harrisonburg, VA, 22802
  • Lends in Virginia
  • Park View Federal Credit Union is a full-service credit union. In addition to our savings, checking, and investment services, we offer a variety of loan products to meet members' financial needs & provide numerous business services.credit union. In addition to our savings, checking, and investment services, we offer a variety of loan produ

  • Member Options LLC
  • 1936 Arlington Boulevard, Charlottesville, VA, 22903
  • Lends in Virginia
  • Member Options serves homeowners throughout Central Virginia as the mortgage division of UVA Community Credit Union.Our credit union roots mean that we approach mortgage process differently from other lenders.At Member Options, we work with your best interest in mind.We carefully consider your goals & recommend solutions that work to your advantage

  • UVA Community Credit Union
  • 3300 Berkmar Dr, Charlottesville, VA, 22901
  • Lends in Virginia
  • The Credit Union is a not-for-profit financial cooperative owned by individual members, like you. Our strength is in our membership. Our goal is to help you reach your financial goals. Your financial success propels our growth and enables us to offer better products and services to all of our members and to be a positive force in the communities

  • Mahone Mortgage LLC
  • 685 Berkmar Court, Charlottesville, VA, 22901
  • Lends in Virginia
  • Mahone Mortgage LLC Founded in 2008 We are a local Charlottesville, VA mortgage broker specializing in personalized service for all mortgage needs. Along with our two other loan officers, Larry Saunders and Kim Casteen, we have closed over 1200 loans for over $300, 000, 000 since opening our doors.

  • Crown Mortgage
  • 620 Woodbrook Dr, Suite 2, Charlottesville, VA, 22901
  • Lends in Virginia
  • We’re locally owned and operated. When you get your mortgage through Crown, your loan officer and processor walk by your side through the entire process. We’re home loan specialists. Not salesmen. If you want the best deal on your home loan, you need a loan officer who knows what that actually is.

  • Virginia National Bank
  • 222 E Main Sstreet, Charlottesville, VA, 22902
  • Lends in Virginia
  • Virginia National Bank opened in Charlottesville, VA in July 1998 with more than 900 local shareholders. As a true community bank, we not only meet the needs of our community, but we are also a part of its growth The VNB story continues to unfold. As we continue to grow, we will never lose sight of the critical ingredients to our continued success.

  • All Credits Mortgage
  • 360 Stone Creek Point, Suite 302, Charlottesville, VA, 22902
  • Lends in Virginia
  • All Credit Mortage are a family-owned mortgage brokerage, specializing in finding home loans for people with all credit scores.Our ability to shop different mortgage investors at wholesale rates allows us to reward customers with a larger range of products, allowing higher and lower credit scores, as well as the best rates for them, nationally