In 2026, the USDA loan limit for Colonial-Beach, within Westmoreland county, VA, is set at $285,000, while the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates and assess the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loan options side by side, aiding in your decision on which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s goal is to swiftly secure the best USDA loan or FHA loan without hassle. Select one of three starting points for connecting with matching lenders and uncovering USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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