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

During 2026, the Conventional loan cap in Winchester, within the boundaries of Winchester, VA, is $726,200. Meanwhile, the FHA loan cap for a single-family house is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the best rates currently available for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator puts Conforming Conventional, USDA, FHA, and VA options side by side, assisting your decision on which program in VA suits your financial situation best.

Compare diverse loan offers from 100 lenders

Detailed 2026 Loan Limits and Downpayment Requirements in Winchester, County of Winchester, VA

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

This comparison table pertains to the following zip codes: 22601

Available Conventional and FHA Loan Options in Winchester, VA

The primary aim of Lendersa® is to connect you with the most suitable Conventional, USDA, or FHA loan options with efficiency and minimal hassle. Choose from three initial pathways designed to link you with lenders and loan programs that match your specific needs.

Results of USDA loan requests and matches from Lendersa


Winchester Lenders

  • Integrity Home Mortgage Corporation
  • 122 Pilot Circle, Winchester, VA, 22602
  • Lends in Virginia
  • Integrity Home Mortgage Corporation is headquartered in Winchester Virginia and serving the following states Virginia, West Virginia, Maryland, Pennsylvania and DC.

    Integrity Home Mortgage Corporation first opened its doors in 2005 when Adam Huddleston, CEO and President, saw a need to improve the mortgage industry

  • SUCCESS MORTGAGE, LLC
  • 508 Front Royal Pike, Winchester, VA, 22602
  • Lends in Virginia
  • SUCCESS MORTGAGE, LLC believe in working hard to get the job done. Our leaders set the example, and it’s this example that encourages the entire team to reach for the goal of greatness. Together, we work hard to be leaders in the industry, to stand out from the competition, and, above all, to make sure our customers are satisfied.

  • Integrity Home Mortgage Corp.
  • 122 Pilot Circle, Winchester, VA, 22602
  • Lends in Virginia
  • IHMC you find a creative team of mortgage specialists available to assist you in finding the financing that suits your needs.Specialize in custom mortgages with lending solutions to best support your current life situation. We have an array of home loan programs to choose from & will educate you & walk you through the process every step of the way.

  • First Bank 1
  • 112 W King St, Strasburg, VA, 22657
  • Lends in Virginia
  • With a name like First Bank, of course we believe there’s power in one. You make a better world one person at a time. And you build a better bank one satisfied customer at a time.

    You are an individual, unlike any other. Your unique wants and needs drive this bank to be different, better, a cut above the rest. You are our “why, ” “who” and “ho

  • Front Royal Federal Credit Union
  • 230 North Royal Avenue, Front Royal, VA, 22630
  • Lends in Virginia
  • Chartered in 1949, Front Royal Federal Credit Union began its tradition of “people helping people” to save regularly and provide a source from which to borrow at low interest rates. Earnings remaining after expenses and capital reserves are returned to members in the form of more competitive share

  • CBM Mortgage, Inc
  • 912 Hometown Way, Front Royal, VA, 22630
  • Lends in Virginia
  • CBM Mortgage is a locally owned and operated Mortgage Company located in the Shenandoah Valley.
    We provide home loans for the entire state of Virginia. What makes us different? Customer Service and Accountability. We are a direct lender with control over the entire process from processing, underwriting, to closing.