USDA Vs. FHA your options 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.
The Credit Union is a not-for-profit financial cooperative owned by individual members, like you. Our strength is in our membership. Our goal is to help you reach your financial goals. Your financial success propels our growth and enables us to offer better products and services to all of our members and to be a positive force in the communities
Mahone Mortgage LLC Founded in 2008 We are a local Charlottesville, VA mortgage broker specializing in personalized service for all mortgage needs. Along with our two other loan officers, Larry Saunders and Kim Casteen, we have closed over 1200 loans for over $300, 000, 000 since opening our doors.
620 Woodbrook Dr, Suite 2, Charlottesville, VA, 22901
Lends in Virginia
We’re locally owned and operated. When you get your mortgage through Crown, your loan officer and processor walk by your side through the entire process. We’re home loan specialists. Not salesmen. If you want the best deal on your home loan, you need a loan officer who knows what that actually is.
1936 Arlington Boulevard, Charlottesville, VA, 22903
Lends in Virginia
Member Options serves homeowners throughout Central Virginia as the mortgage division of UVA Community Credit Union.Our credit union roots mean that we approach mortgage process differently from other lenders.At Member Options, we work with your best interest in mind.We carefully consider your goals & recommend solutions that work to your advantage
Virginia National Bank opened in Charlottesville, VA in July 1998 with more than 900 local shareholders. As a true community bank, we not only meet the needs of our community, but we are also a part of its growth The VNB story continues to unfold. As we continue to grow, we will never lose sight of the critical ingredients to our continued success.
360 Stone Creek Point, Suite 302, Charlottesville, VA, 22902
Lends in Virginia
All Credit Mortage are a family-owned mortgage brokerage, specializing in finding home loans for people with all credit scores.Our ability to shop different mortgage investors at wholesale rates allows us to reward customers with a larger range of products, allowing higher and lower credit scores, as well as the best rates for them, nationally
Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services.
29 Stoneridge Drive, Suite 207, Waynesboro, VA, 22980
Lends in Virginia
Monticello Reverse Mortgage is a local Virginia company. We specialize only in Reverse Mortgages so you can be assured of our expertise and knowledge. Because we are based here in Central Virginia, we work with you personally from start to finish of the entire Reverse Mortgage process.
"Klaren Capital uses a methodical process to determine your tolerance for risk and to establish and understand your goals. We tailor an investment approach to you and your individual needs and periodically reevaluate that approach for relevancy. Our goal is to build life-long relationships through careful analysis."
