USDA Vs. FHA your options comparison 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.
4100 E Virginia Beach Boulevard, Norfolk, VA, 23502
Lends in Virginia
The Norfolk Fire Department FCU was originally founded by Mr. Frank Talley and chartered on April 28, 1940 and organized as a cooperative financial institution. The credit union was originally founded to provide Firefighters and their families with an alternative to high cost financial services, which were available only through banks at that time.
1612 Centerville Turnpike, Suite 307, Virginia Beach, VA, 23464
Lends in Virginia
CMS Mortgage Solutions has expanded and are financing homes in District of Columbia, Maryland, Florida, Pennsylvania, North Carolina, and Virginia. Thriving on current market knowledge, we pride ourselves in offering loan programs to benefit every consumer. CMS Mortgage Solutions was founded by Corrina Carter in 2004
Coastal Key Acquisitions connects borrowers with the right capital source — fast. We specialize in hard money, bridge, and commercial loans nationwide. As a veteran-owned firm based in Hampton Roads, VA, we bring integrity and deal expertise to every transaction. Residential, commercial, and land deals welcome. Let’s close.
ABNB Federal Credit Union celebrating over 62 years of serving members. As a member owned financial institution, we’ve grown to over 78, 000 members, have over $780 million in assets, and are a regional financial institution serving members in Greater Hampton Roads and Northeastern North Carolina through the Outer Banks.
1512 Technology Drive, Suite 103, Chesapeake, VA, 23320
Lends in Virginia
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
First Signature Mortgage, LLC supports Equal Housing Opportunity
The mortgage process can be confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you customized options from great lenders and make sure to find the right loan for you!
440 Monticello Ave, Suite 1850, Norfolk, VA, 23510
Lends in Virginia
Temple Mortgage LLC is a company dedicated to providing quality financial services. We specialize in offering the lowest rates available and tailoring the services to meet the needs of our customers. Our qualified staff is available to answer any questions regarding property purchases, ReFinancing of primary and secondary property.
Tidewater Home Funding, LLC has been helping neighbors across Hampton Roads and Northeast North Carolina realize the dream of homeownership. Processing, underwriting, loan closing, and funding functions are local and performed in-house enabling our team to provide the utmost in customer service.
2147 Old Greenbrier Rd, Suite A, Chesapeake, VA, 23320
Lends in Virginia
Atlantic Financial Services is a family-owned company that has provided traditional installment lending for more than 20 years. Burnie Staples is the founder and President of Atlantic Financial Services. We are committed to valuing and enriching our customers and employees and being a leader in innovation and technology.
