USDA and FHA Pro and Con in Colonial-Beach, Westmoreland County, VA
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 best suits your financial situation.
2026 Loan Limits and Downpayment Requirements in Colonial-Beach, County of Westmoreland, VA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Colonial-Beach, VA
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.
Topside Federal Credit Union was federally chartered in 1961, and has grown into a full-service financial institution with total assets of over $400 million dollars. We value our members' trust, and work diligently to offer the financial services our members need and want. Our members' funds are federally insured by National Credit Union
Churchill Mortgage offers incomparable service for residential or commercial lenders, whether you are a first-time homebuyer or a seasoned investor. We can guide you to the right loan amount and best program for you. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
1267 Courthouse Rd, Suite 201, Stafford, VA, 22554
Lends in Virginia
Priority Financial, LLC 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
385 Garrisonville Road, Suite 97, Stafford, VA, 22554
Lends in Virginia
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.
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.
Virginia Partners Bank® and Maryland Partners Bank® because we believe that our residents and businesses deserve a local bank. We enjoy living here and getting to know our neighbors, the people we do business with. We’re active in the community, love its history, and offer support by donating our time, talents, and resources.
At Security Trust Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you & your family from the many mortgage options
