USDA VS FHA in Culpeper, Culpeper County, VA

In 2025, the USDA loan limit for Culpeper, situated in Culpeper county, VA, is $776,600, whereas the FHA limit for single-family homes is $1,089,300.

Utilize the Lendersa® USDA loan calculator to effectively compare current USDA and FHA best rates. Determine the income, credit score, reserves, and documents necessary to qualify. With our comprehensive mortgage calculator, you can explore USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your specific financial needs in .

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2025 Loan Limits and Downpayment Requirements in Culpeper, Culpeper county, VA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Opportunities in Culpeper, VA

Lendersa® aims to connect you with the best USDA or FHA loan options quickly and effortlessly. Select one of the three initial steps to find matching lenders and USDA loan programs.

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Understanding USDA Loans in VA

The USDA home loan, backed by the Department of Agriculture and often called the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • King Financial Group Inc.
  • 2600 Highland Village Pkwy, Suite 100, Village, TX, 75077
  • King Financial Group, Inc. is a residential mortgage company specializing in loans that will meet most families’ needs. We believe in providing the best service, products, and follow-through as if you are a part of our family. King Financial Group was established in 1992 by Kathy King with the desire to treat customers with respect
  • Cleo State Bank
  • 202 South Square, Cleo Springs, OK, 73729
  • The Cleo State Bank is the oldest Bank in Major County, Oklahoma. It was chartered in 1900 and has been serving individuals and local businesses in Northwest Oklahoma for over 100 years. The Cleo State Bank is locally owned and operated. With over 200 years of combined experience, our team is focused on serving our communities.
  • Chartwell American Mortgage, LLC
  • 800 Parker Square, Suite 205, Flower Mound, TX, 75028
  • Chartwell American Mortgage We strive to be your home lender for life. When venturing into the home finance arena, you need someone that has the experience and relationships to navigate you through the process. Find out how we can help. and camloans.com is your online resource for personalized mortgage solutions.
  • J Philips Mortgage, Inc.
  • 3020 Corporate Court, Suite 500, Flower Mound, TX, 75028
  • J Philips Mortgage, Inc. has been offering professional mortgage services to homebuyers in the Flower Mound, and all over the DFW, area since 2007. Judy Philips has over 18 years’ experience in the mortgage field and after numerous years working for a previous company, she decided to open up her own.
  • Creekview Realty
  • 3201 Cross Timbers Road, Building 6, Suite 600, Flower Mound, TX, 75028
  • Creekview Realty was founded in 2002 and is headquartered in Plano, TX. John Prell is the broker, and has over 30 years experience over 4 states in various capacities of the real estate business, including investing, hard money lending, residential & commercial construction, renovations, consulting, and brokerage.
  • Recovco Mortgage Management, LLC
  • 4600 Fuller Dr, Suite 300, Irving, TX, 75038
  • Founded in 2009, by mortgage banking professionals, Recovco is an industry leader in both quality and operational excellence and has proven results of serving clients with due diligence, valuations, quality control, underwriting, and auditing services for banks, mortgage companies, and other market participants.
  • BSI Financial Services
  • 1425 Greenway Drive, Suite 400, Irving, TX, 75038
  • We care with service that is informed and responsive. We care with programs that can help you in difficult times. We care using technology that provides around-the-clock access to loans to manage payments, view account history and order documents. We care for your loan. We take a big data approach to reduce compliance risk.
  • Homebound Loans Incorporated
  • 5027 Empire Way, Irving, TX, 75038
  • HBLending, 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.