USDA Vs. FHA your options comparison in Emporia, Emporia County, VA
As we look at 2025, the USDA loan ceiling in Emporia, within the county of Emporia, VA, is set at $336,500. Concurrently, the FHA limit stands at $472,030 for a typical single-family residence.
By utilizing the Lendersa® USDA loan calculator, you can compare the best rates currently available between USDA and FHA loans. This tool enables you to assess the necessary income, credit rating, reserves, and documentation required to qualify. Our sophisticated mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in determining which program in is most suited to your specific financial needs.
2025 loan limits and down payment requirements in Emporia, county of Emporia, VA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan choices in Emporia, VA
At Lendersa®, our mission is to efficiently match you with the best possible USDA loan or FHA loan with minimal hassle. You can begin with one of three options, each designed to connect you with suitable lenders and USDA loan programs.
USDA home loans, backed by the U.S. Department of Agriculture, are often referred to as USDA rural development loans or USDA mortgages, and they are accessible only in designated rural areas. Unlike FHA loans, which demand a down payment of at least 3.5%, USDA loans eliminate the need for any down payment, providing a more accessible route to home ownership.
For nearly a century, Amalgamated Bank has been America’s Socially Responsible bank supporting thousands of people, organizations, causes and businesses. We work to make the world more equitable and sustainable for all by helping those who do good do better. Nonprofits, labor unions, advocacy groups, socially responsible businesses.
224 West 35th Street, Suite 1401, New York, NY, 10001
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
43 West 33rd Street, Suite 504, New York, NY, 10001
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1071 Ave Of The America, 3rd Floor, New York, NY, 10018
In 2019, we set out to give banking a makeover, building the kind of bank that we hoped to see in the world: one that was relevant and ready to help customers meet the demands of the modern world. Today we’re proud to deliver peer banking - we meet you where you are, reflect your business needs, and act with speed.
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As a member-owned, not-for-profit financial institution
We launched in 2015 with a single goal in mind, be different. Yes, we provide good terms, and yes our options are flexible and unique, but what truly sets us apart is our team.
Every director, associate and underwriter has a minimum of ten years professional commercial banking experience none of our competitors can say the same.
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