USDA VS FHA in Bailey's-Crossroads, Fairfax County, VA

In 2026, the USDA loan limit for Bailey's-Crossroads, located in the county of Fairfax, VA, is $657,900. Meanwhile, the FHA limit for a single-family home stands at $822,375.

Take advantage of the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side to decide which program best suits your financial situation in .

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2026 Loan Limits and Down Payment Needs in Bailey's-Crossroads, Fairfax, VA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Bailey's-Crossroads, VA

The mission of Lendersa® is to connect you quickly to the best possible USDA or FHA loan, without hassle. Start by selecting one of three initial pathways that match you with lenders and USDA loan programs.

Lendersa USDA loan application and matching results

Exploring USDA Loans in VA

A USDA home loan, backed by the government via the Department of Agriculture, also termed the USDA rural development loan or USDA mortgage, is offered solely in rural areas. Unlike FHA loans, which demand a minimum of 3.5% down payment, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Zachary Karp Mortgage Team
  • 1300 E Woodfield Rd, Suite 304, Schaumburg, IL, 60173
  • Zachary Karp Mortgage Team understands that a home is one of the most important financial decisions you’ll make. A home can have more value than just an investment though; it’s where you raise your family, become engulfed in a community, and never question the feeling of home.and Zachary Karp is your local and trusted Schaumburg mortgage lender.

  • HomeTrust Mortgage Corporation
  • 1475 E Woodfield Rd, Suite 110, Schaumburg, IL, 60173
  • HomeTrust Mortgage Corporation is a Mortgage Banker that provides high quality financial services to the public. HomeTrust was founded in 1995 It is our mission to provide high quality mortgage programs at the most competitive rates. We fund Conventional, FHA, VA, and Jumbo mortgages tailored to your unique situation.

  • BCU
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  • We are a purpose-driven organization that empowers people to discover financial freedom. We owe our success to our BCU community, fostering an environment that supports professional and personal growth – which in turn empowers us to best serve our members With over $5 Billion in assets, we are also one of the fastest growing credit unions in the la

  • Washington Savings Bank
  • 200 South Banker Street, Effingham, IL, 62401
  • In 1883, a group of men got together, to establish an organization whose primary purpose was to help its members purchase homes.

    The mission of Washington Savings Bank is to be a financially strong, progressive bank, serving our customers by providing quality, professional and innovative products and services they need and want, in a safe

  • Crossroads Bank
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  • Crossroads Bank was founded in the midst of that growth. Chartered in 1973 and opened in 1974 on South Banker Street in front of the new shopping mall, the bank grew quickly. As Crossroads Bank grew, a second facility was built in 1987 on Keller Drive, making banking convenient for all of the bank’s customers.

  • Midland States Bank
  • 1201 Network Centre Drive, Effingham, IL, 62401
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  • CBI Federal Credit Union
  • 13717 S Route 30, Unit 157, Plainfield, IL, 60544
  • CBI Federal Credit Union is a Federal Credit Union with 2 branches, assets of $18,174,185 that is headquartered in Plainfield, IL. CBI Federal Credit Union is chartered by the National Credit Union Association (NCUA) to serve the employees of CB&I Company, its wholly owned subsidiaries and their family members.

  • Abri Credit Union
  • 1350 Renwick Rd, Romeoville, IL, 60544
  • Abri Credit Union is a community based financial institution headquartered in Romeoville, IL. There are community branches located in Frankfort, Joliet, Lockport, Plainfield, and Woodridge. There are also branches with limited access located at Argonne National Laboratory, Fermi National Laboratory, and the Joliet Township High Schools.

  • Oak Leaf Community Mortgage
  • 24252 W. Main Street, Plainfield, IL, 60544
  • We focus on providing our customers purchase and refinance options that fit their needs. We specialize in home purchase, refinance, rehabilitation and new constructions loans. We have the ability to lend in 46 states and would love the opportunity to help you find a solution that fits your needs.

  • RDS Mortgage Corporation
  • 14722 South Naperville Road, Unit 104, Plainfield, IL, 60544
  • RDS Mortgage Corporation, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.

  • Main Street Mortgage Inc
  • 1 Tiffany Pointe, Suite 204, Bloomingdale, IL, 60108
  • Main Street Mortgage, Inc. is an Illinois Mortgage Broker. This allows us to work with many different banks to ensure you the best rate and loan program for your needs. With over30 years of mortgage experience, Main Street Mortgage, Inc. specializes in conforming, FHA & VA loans.