In 2025, the USDA loan limit within Elkton, located in Rockingham county, VA, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, determining the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator lets you see side-by-side comparisons of USDA, FHA, Conforming, and VA options. This will assist you in selecting the right program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to help you secure the best USDA or FHA loan quickly and with ease. Choose from three initial pathways to connect with matching lenders and explore USDA loan programs.
A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the government’s Department of Agriculture. It is exclusively available in rural neighborhoods. In contrast to FHA loans requiring a minimum of 3.5% down payment, USDA loans require none, offering an advantage for eligible rural borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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