USDA Vs. FHA Pro and Con comparison in Chester, Chesterfield County, VA
In the year 2026, the USDA loan limit for Chester, in Chesterfield county, VA, stands at $428,700, while the FHA loan limit for a single family home is $546,250.
Utilize the Lendersa® USDA loan calculator for an effective comparison between current USDA and FHA best rates, identifying necessary income, credit, reserves, and paperwork for qualification. With our detailed mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, helping you select the ideal program for your financial needs in .
2026 Loan Limits and Downpayment Details in Chester, Chesterfield county, VA
Loan Type
Loan Limit
Initial Payment
USDA
$428,700
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Chester, VA
Lendersa® aims to promptly provide you with the best USDA or FHA loan, minimizing hassle. Start with any of these three pathways to connect with matching lenders and USDA loan options.
The USDA home loan, endorsed by the Department of Agriculture, is often referred to as the USDA rural development loan or USDA mortgage. It's specifically available only in rural areas. Unlike FHA loans that mandate a minimum 3.5% downpayment, the USDA mortgage demands no downpayment whatsoever.
Commonwealth Mortgage and Investments, is a local mortgage company located in Chester, Virginia and has been servicing the Tri-City area for the past 25 years in the same location. They offer all type of mortgage loans and also With over 20 years in the business, we specialize in VA loans and have some of the best VA interest rates in the area.
Close your next deal with 100% financing. Gap funding covers your down payment, closing costs, and rehab — no equity splits, no second liens. Our capital stack includes unsecured gap funding, 0% credit card stacking, Helocs on investment properties and much more..
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Call Federal Credit Union provides passionately local banking by opening doors to your financial health. Our mission is to establish relationships that allow us to offer the right products and services that lead to positive financial results for our members and their families. Call Federal was founded in 1962.
In the fall of 1938, President John Manuel Gandy requested the establishment of a Federal Credit Union at the Virginia State College, from Superintendent Sidney B. Hall, of the Department of Public Instruction. At a staff meeting on October 19, 1938, President Gandy announced that authority had been granted to proceed to establish the credit union.
9401 Courthouse Rd, Suite 303, Chesterfield, VA, 23832
Lends in Virginia
Capitol Mortgage Group was created with one goal in mind, finding a Better Way to home loan financing. As an independent mortgage broker, Capitol Mortgage Group has access to hundreds of mortgage lenders across the country. We sort thru and handpick the lenders that not only offer the most aggressive interest rates
Richmond Heritage Federal Credit Union was founded as a “self-help” not-for-profit organization during the Great Depression in 1936 by ten educators. They recognized the need for access to economic resources not offered to African-Americans by traditional financial institutions at that time.
4495 Crossings Boulevard, Prince George, VA, 23875
Lends in Virginia
Fort Lee Federal Credit Union is a community-chartered credit union headquartered in Prince George, VA. Since 1952, the credit union has provided affordable financial services to the community through checking, savings, and loan products. The credit union currently serves almost 17, 000 members.
1100 Boulders Parkway, Suite 601, Richmond, VA, 23225
Lends in Virginia
Dominion Energy Credit Union was created by, and for the benefit of Dominion Energy employees. We offer the same personal financial services as the big banks, but, unlike most banks, we offer incredible rates, minimal fees, and service that exceeds expectations. We go the extra mile to let each member know they are valued and appreciated.
