USDA and FHA Pro and Con in Bedford, Bedford County, VA
In 2026, the USDA loan limit for Bedford, located within the county of Bedford, VA, is set at $349,600. Comparatively, the FHA loan limit for a single-family home is $472,030.
With the Lendersa® USDA loan calculator, you can compare the top USDA and FHA rates available today and determine the income, credit history, reserves, and documents you need to qualify. Our comprehensive mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most suitable program in based on your financial profile.
2026 Loan Limits and Downpayment Requirements in Bedford, Bedford, VA
Loan Type
Loan Limit
Down Payment
USDA
$349,600
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Bedford, VA
Lendersa® is committed to ensuring you obtain the best USDA or FHA loan smoothly and quickly. Begin by selecting one of three paths leading to suitable lenders and USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture, is also referred to as a USDA mortgage or rural development loan. This option is available exclusively for rural areas and requires no down payment, in contrast to FHA loans, which necessitate a minimum 3.5% down payment.
At Select Bank, we can help you manage your time and your money. We’ve brought together old-fashioned service and the latest tools and technology in order to provide you with the products and services you need, when you need them – and on your terms. We’re focused on treating every customer like they’re our only customer.
"TY Mortgage, LLC, has a team of experienced and highly skilled loan consultants that will help you determine which loan option is best suited for your situation. At TY Mortgage, we help you get the loan that you want in the time frame you want it in. Purchase or Refinance Mortgage Residential or Commercial.
Bank of Botetourt "Taking Care of You" is more than a slogan, it's our promise to the community. For over 120 years, Bank of Botetourt has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education.
We are committed to quality customer service - putting the people we serve first. we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! Specializing in residential mortgage loans for purchases, refinances and equity lines/loans
Melanie Thompson is a mortgage broker with access to more than 40 lenders and dozens of loan programs to help you with your home purchase or refinance. Her expertise in understanding credit is second to none and she will work with you to legitimately obtain a higher credit score so your loan terms are the very best available.
Beacon Credit Union is a full-service financial institution, offering a wide range of products and services. Having served Lynchburg and the surrounding area for over 75 years, our "vision" is to be the premier provider of quality financial services, a leader in our community and the most progressive financial institution in our field
Lynchburg Municipal Employees Federal Credit Union
3176 Fort Avenue, Lynchburg, VA, 24501
Lends in Virginia
The approval of Federal Credit Union Charter Number 14623 on August 8th, 1961 allowed for Lynchburg Municipal Employees Federal Credit Union (LMEFCU) to help promote financial services and security for its membership. We were originally chartered to serve employees of the City of Lynchburg and their immediate families.
First National Bank is a full service commercial and consumer bank headquartered in Altavista, Virginia and serving Central and Southern Virginia. Member FDIC | Equal Housing Lender commercial and consumer bank headquartered in Altavista, Virginia and serving Central and Southern Virginia.
Central Virginia Federal Credit Union offers a fresh, unique alternative to banks. Like other financial institutions, we offer a full range of financial products and services. Unlike the others, we are not-for-profit. putting those savings in your pocket! Here you are more than a customer, you're a member.
