FHA Vs. USDA loan program for Crozet, Albemarle County, Virginia

The USDA loan limit for Crozet in Albemarle, VA for 2026 is $368,000, whereas the FHA limit for a single-family home is $507,150.

Use the Lendersa® USDA loan calculator to evaluate current USDA versus FHA best rates. Determine the necessary income, credit, reserves, and paperwork needed for eligibility. This advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you choose the most suitable program in for your financial needs.

Exploring USDA and FHA Loan Options in Crozet, VA

Lendersa® is dedicated to quickly and effortlessly helping you acquire the best USDA or FHA loan. Choose one of three starting points to match with lenders and USDA loan programs.

Loan Type	Loan Limit	Down Payment
USDA	$368,000	0%
FHA	$507,150	3.5%
Conventional Conforming	$726,200	3%

Lendersa's USDA loan request and matching results

Understanding USDA Loans in VA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. It is designed for rural areas, requiring no down payment, unlike FHA loans, which require a minimum of 3.5% down payment.

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(847) 234-2882 Lender's profile and map Reviews Lake Forest Bank & Trust Company, National Association 727 N. Bank Lane, Lake Forest, IL, 60045 Lake Forest Bank & Trust Company is a true community bank. Our promise is to provide customers with good old-fashioned personal service and a broad range of quality financial products. Being a locally controlled and managed bank gives us the unique ability to make decisions more quickly and to provide more customized services.
(847) 244-9301 Lender's profile and map Reviews DIAMOND RESIDENTIAL MORTGAGE CORPORATION 582 Oakwood Ave, Lake Forest, IL, 60045 Diamond Residential Mortgage is committed to helping our customers find the right mortgage product for their needs. We understand every borrower is different and we offer a wide variety of products to meet individual requirements. We make the process of securing a mortgage simple and straightforward by offering the latest financial tools.
(731) 925-9001 Lender's profile and map Reviews The Hardin County Bank 235 Wayne Road, Savannah, TN, 38372 The Hardin County Bank is a locally owned and operated, growing Financial Services Center dedicated to serving our community since 1973. With offices in Savannah, Adamsville, and Pickwick/Counce, we can provide fast, courteous service, and furnish the most up to date financial products available in the banking industry.
(205) 444-4528 Lender's profile and map Reviews Jefferson Credit Union 5261 Ross Bridge Pkwy, Hoover, AL, 35226 Jefferson Credit Union is a financial institution based in Hoover, Alabama. Anyone in Jefferson County or any of the surrounding counties can become a member for life with an initial deposit of $5. Our members have access to home mortgages, auto loans, checking accounts, savings accounts, CD's, and many other banking services.
(205) 940-9660 Lender's profile and map Reviews Mortgage Funding, LLC 2171 Clearbrook Rd, Birmingham, AL, 35226 At NMI Mortgage Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(207) 247-2200 Lender's profile and map Reviews Ossipee Lake Mortgage Solutions 414 Sokokis Trail, East Waterboro, ME, 04030 Ossipee Lake Mortgage can assist you from start to finish in the process of buying your new home. We will Pre-Approve you so that you can search for your new home with confidence. Your Real Estate Agent also knows you are qualified and ready to go. This is a step ahead of other buyers in the competition to make an offer.
(630) 276-5555 Lender's profile and map Reviews HealthCare Associates Credit Union. 1151 East Warrenville Road, Naperville, IL, 60563 As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value with products and services including savings, checking, investments, loans, credit cards, and 24/7 access to your money via mobile, Internet and telephone.
(312) 218-0989 Lender's profile and map Reviews Vincent Viriyakul Residential & Commercial Financing & Real Estate 1754 N. Washington St, Suite 128B, Naperville, IL, 60563 Great Mortgage Company Inc. 1754 N Washington St, Ste 128B Naperville, IL 60563 is an Illinois Residential Mortgage Licensee. Great Mortgage Company Inc is an approved FHA lender, not an agency of the U.S government. All loans are subject to final lender approval. Programs, rates, terms and conditions may change without notice.
(630) 369-7227 Lender's profile and map Reviews CIBM Bank 1811 Centre Point Drive, Suite 123, Naperville, IL, 60563 full-service banking offices you'll find a full array of Personal and Business banking services and products to help you create the life you want and to help your business continue to be successful. We work hard to be your partner and we understand that this means listening and responding to the unique needs of you.