USDA and FHA Pro and Con in Charlottesville, Charlottesville County, VA
In 2025, 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 .
2025 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.
All Commercial Finance (ACF) is located in Houston, Texas, Winter Park, Florida and Oklahoma City and managed by Jay Clark along with a network of Private Investors. The group has over 55 years of experience in aviation, real estate investments and asset based lending, financial facilitation
9400 S I 35 Service Road, Oklahoma City, OK, 73160
Citywide Mortgage is a residential mortgage company in central Oklahoma created to provide a level of service that makes the home buying process smooth and low-stress. Citywide offers home loans for purchase and refinancing and assists with construction loans. The service provided by our team of lending experts sets Citywide apart
Lincoln Lending strives to serve our fellow Oklahomans with their dreams of home ownership. Buying or refinancing a home is a momentous occasion; beyond our efforts to simplify the process and reduce your stress, we aim to help you focus on the excitement of the purchase. We will walk with you through every step of the process
At FirstTrust Home Loans, we are here to help you through every step of purchasing a home. Our large variety of home loan programs, partnered with wonderful support staff, competitive rates, and experienced loan officers, assure that you are comfortable and well informed through the course of your purchasing experience.
Bankers Mortgage professionals have been committed to providing correspondent mortgage services to banks for over 19 years.
Teresa Lyman, President of Bankers Mortgage has over 32 years of mortgage experience. Teresa also serves as a Board member of the Oklahoma Mortgage Bankers Association (OMBA)
Peoples Bank & Trust Co. was begun in 1906 by M.H. Barrett Sr. in Ryan, Oklahoma. Now, over 100 years later, the Bank is still owned and operated by the Barrett family. The Bank is owned by Kay Barrett Branson and her son Ben Branson who also serves as the President, CEO, and Chairman of the Board.
Located in Scotland, South Dakota, the Farmers and Merchants State Bank was chartered and began operations on September 7, 1920. Original organizers of the bank were Philip Engel, Alex Brown, C.D. Donley, Guy R. Brown, Joseph Stevenson, and H.N. Hess. The bank is located in its original location built in 1919 at 550 Main Street.
Citizens Bank of Kansas is a state bank that specializes in hometown banking needs. CBK has maintained its commitment to helping build strong communities by offering traditional banking services including residential, commercial, and consumer loans, as well as a broad range of deposit accounts for retail and commercial customers.
