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.
950 South Bascom Avenue, Suite 1113, San Jose, CA, 95128
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
1101 South Winchester Boulevard, Suite 0-286, San Jose, CA, 95128
University Mortgage Corporation mortgage professionals give you the personal attention you deserve and treat you with the respect a valued customer deserves. We understand you're making a commitment in buying a new home, Refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you.
2239 Moorpark Avenue, Suite 102, San Jose, CA, 95128
Crystal Estates With over 19 years of experience in the real estate, mortgage, and construction industry, I’ve gained the experience and expertise to provide outstanding service for my clients in every aspects of a transaction. Whether its a first time home buyer, an experienced investor, a mortgage loan, or just providing advice in general.
2190 Stokes Street, Suite 101, San Jose, CA, 95128
Olympic Mortgage was established in April of 1996 by its co-founders, Luis & Cielo Marengo. Together the Marengo family has been a pillar in the San Jose Real Estate Lending Community and have been involved in many community services such as, youth and high school sports coaching and management, PTA services.
1101 S. Winchester Blvd, Suite H-189, San Jose, CA, 95128
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
1245 S Winchester Blvd, Suite 209, San Jose, CA, 95128
We have been featured on NBC, CBS, FOX, ABC and several other media for our mortgage expertise. We have been named to 2017 Inc 500 list of fastest-growing private companies in America. In the same list, Arcus Lending was named the 3rd fastest growing mortgage company in the country.
4701 Patrick Henry Drive, Building 16, Suite 100, Santa Clara, CA, 95054
ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer.
ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.
Our goal is to help all our clients obtain the best purchase or refinance rates that are currently available, and to provide honest, prompt, and courteous service. Our experienced team of loan officers are here to answer your questions at any time: call us. Prima Loan Service can help you find the home loan that’s right for you and your budget.
3965 Freedom Circle, Suite 750, Santa Clara, CA, 95054
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
2350 Mission College Boulevard, Suite 242, Santa Clara, CA, 95054
We have been serving and earning an exceptional reputation since 1995. We specialize in 3 main aspects: Residential/Investment Property Trading, Real Estate Loans, and Real Estate Agent Training. Goodview is also expert at trading and managing residential/commercial properties in the Bay Area.
VVR Loans, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
Mission City Federal Credit Union was founded in 1959 as Santa Clara City Employees Federal Credit Union to serve the employees of the City of Santa Clara, including the police, fire and power departments. Since that time the eligibility has expanded to include the faculty, employees and students of Santa Clara University and other select groups.
