USDA Vs. FHA Pro and Con comparison in Dumfries, Prince William County, VA
In 2026, the USDA loan limit for Dumfries, located in the county of Prince William, VA, is set at $336,500. In contrast, the FHA limit for a single-family dwelling is $546,250.
To assess current rate comparisons between USDA and FHA loans, try the Lendersa® USDA loan calculator. This useful tool evaluates the income, credit, reserves, and required documents needed for qualification. By placing USDA, FHA, Conforming, and VA options side by side, our comprehensive mortgage calculator aids in identifying the optimal program in that matches your individual financial circumstances.
2026 Loan Limits and Down Payment Needs in Dumfries, County of Prince William, VA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Dumfries, VA
Lendersa® strives to efficiently secure the best USDA or FHA loan options for you, quickly and smoothly. Choose among three starting pathways that lead to matched lenders and potential USDA loan programs.
A USDA home loan is endorsed by the government through the Department of Agriculture. Known as a USDA rural development loan or USDA mortgage, it is exclusively for rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not necessitate any down payment.
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