USDA VS FHA in Chantilly, Fairfax County, VA

In 2026, the USDA loan limit in Chantilly, situated within Fairfax county, VA, is $657,900, while the FHA limit for a single-family home is $1,089,300.

Use the Lendersa® USDA loan calculator to compare the best rates available today for USDA and FHA loans. Assess the required income, credit score, reserves, and documents necessary to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side, helping to decide which program in suits your financial needs best.

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2026 Loan Limits and Down Payment Requirements in Chantilly, Fairfax, VA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Chantilly, VA

Lendersa®'s mission is to promptly provide the optimal USDA or FHA loan without unnecessary hassle. Choose from three different starting points that connect you with matching lenders and USDA loan programs.

  1. Submit a comprehensive USDA/FHA loan request
  2. Access USDA and FHA rate & term information upfront
  3. Explore the extensive database of USDA lenders
Results from Lendersa USDA loan matching process

What is a USDA Loan in VA?

The USDA home loan, guaranteed by the government and facilitated by the Department of Agriculture, is also referred to as the USDA rural development loan or USDA mortgage. It is available solely in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require none.

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