For 2026, the USDA loan limit in Big-Stone-Gap, Wise, VA is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize Lendersa®'s USDA loan calculator to swiftly compare today's best USDA vs. FHA rates. Assess the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side-by-side, assisting your decision-making for the best program in
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| Type | Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The objective at Lendersa® is to get you a USDA or FHA loan swiftly and effortlessly. Begin with one of three methods to connect with lenders and match to USDA programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is accessible exclusively in rural areas. This loan, also called a USDA mortgage, does not require a down payment, unlike FHA loans which need at least 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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