USDA and FHA Pro and Con in Chesapeake, Chesapeake County, VA
In 2026, the USDA loan limit in Chesapeake, located in Chesapeake County, VA, is set at $428,700, while the FHA limit for a single-family home is $546,250.
With Lendersa® USDA loan calculator, compare the current best rates between USDA and FHA loans. Assess the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, aiding your decision regarding the most suitable program in for your financial circumstances.
2026 Loan Limits and Downpayment Requirements in Chesapeake, Chesapeake County, VA
Loan Type
Loan Limit
Down payment
USDA
$428,700
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Alternatives in Chesapeake, VA
Lendersa® is committed to quickly and easily finding you the best USDA or FHA loan options. Choose one of three methods to connect with lenders and access USDA loan programs.
A USDA home loan is a government-backed program by the Department of Agriculture, also known as a USDA rural development loan or mortgage, available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage requires no down payment at all.
Established in 2000, First Commonwealth Mortgage specializes in tailoring individual mortgage programs to meet specific borrower needs. It’s our goal to make financing your home as easy as possible through our commitment to superior customer service, highly-trained & licensed mortgage bankers, and wide-range of products and services.
From the beginning our primary focus here at Broker House Lending has been to be the “go to source” when shoppers are searching online for quality Louisville Mortgage Brokers.We seek to accomplish this through a “relationship building first” philosophy with our clients.We believe that following this practice has allowed us to grow steadily.
First National Bank has a legacy of nearly a century of service in Spalding County and the surrounding area. While many things have changed during that time, who we are and what we believe in has not. We believe our customers are neighbors, not numbers. We believe that the spirit of the people is as important as the size of the organization.
At the Bank of Buffalo, we strive to offer the banking service our customers have come to expect. Most importantly, our experienced staff delivers these services in a friendly, efficient manner The Bank of Buffalo has been serving customers since August 1, 1901. We are known for our family style atmosphere and old fashion customer service.
The White River Credit Union is a full service, member-owned, not-for-profit financial institution. Our members comprise a radius around the Bethel, Randolph, & Rochester area. The White River Credit Union was formed in 1947 when five citizens in Rochester, Vermont wanted to create a small, friendly lending co-op to service the valley community.
New Washington State Bank opened on Main Street in New Washington, Indiana. The bank was founded by a group of ten prominent business leaders and farmers who felt New Washington and the surrounding farming communities would be better served with a bank of their own. From our humble beginning in 1908.
Piscataqua Savings Bank is a Mutual Savings Bank and a Certified B Corp dedicated to providing financial services and support to members of the Portsmouth community. Since 1877, we have remained committed to our core values to provide quality service and competitive products in a manner consistent with sound and prudent banking practices
300 Constitution Avenue, Suite 202, Portsmouth, NH, 03801
"5 things you can expect from X5 Home Loans 1. Communication. Always know exactly where things stand. 2. Availability. Here for you whenever you need us. 3. Speed. Fast closings and quick answers to your questions. 4. Simplicity. A clear process that’s easy to understand. 5. Guidance. Personalized advice to navigate your options."
110 Brewery Lane, Suite 202, Portsmouth, NH, 03801
The Mortgage Hotline is a full service mortgage broker. We started The Mortgage Hotline to guide you through today's complex world of acquiring a mortgage. We have integrated cutting edge technology with experienced loan officers to create the best personal experience in the mortgage industry. Every mortgage is designed to fit your needs.
