USDA Vs. FHA Pro and Con comparison in Charlottesville, Charlottesville County, VA
In 2026, the USDA loan limit in Charlottesville, Charlottesville County, VA stands at $428,700. Meanwhile, the FHA limit for a single-family home is set at $546,250.
Use the Lendersa® USDA loan calculator to compare the best rates for USDA against FHA today. Determine the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA programs side-by-side, helping you choose the program that best fits your financial situation in .
2026 Loan Limits and Downpayment Requirements in Charlottesville, Charlottesville County, VA
Loan Type
Loan Limit
Down payment
USDA
$428,700
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Charlottesville, VA
The aim of Lendersa® is to connect you with the best USDA or FHA loan options quickly and with minimal hassle. Choose from one of three starting points to match with lenders and explore USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, and is only available in rural zones. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not need any down payment.
Frontline Capital Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.
18 N Washington Street, Suite C, Oxford, MI, 48371
At Brick Financial Group our main goal is to provide an exceptional value while maintaining high service standards to all members of our extended community. In an ever changing mortgage market, where technology and robot loans are all the rage, we want to be the lender who is for the people, by the people.
County National Bank is deeply committed to the communities we serve. On March 19, 1934, roughly fifty business people put up personal monies to invest and capitalize County National Bank. From that time, we have grown to 12 full-service branches in four counties in south-central Michigan.
Capital Home are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
646 Plank Road, Suite 102, Clifton Park, NY, 12065
At The Mortgage Place, we recognize that buying or refinancing a home is a huge commitment. At our initial consultation, we will work together to determine your goals, needs and financial strategies. We will patiently describe the different mortgage programs in detail. Together we will decide on the best program and lender for your situation.
Edmonton State Bank is one of the few, locally owned and operated community banks. The Thompson Family has been serving the needs of our communities for five generations, and current Chairman and CEO John D. Thompson has enjoyed a nearly 60-year tenure working within those communities.
South Central Bank will provide shareholders, customers, team members, and the community with open, honest financial experiences that exceed expectations. South Central Bank will always be the first choice provider for banking solutions that instill confidence among customers, team members, and the community.
