In 2026, the USDA loan limit for Falmouth, located in the county of Stafford, VA, is set at $776,600. For a single-family home, the FHA loan limit is $1,089,300.
Leverage Lendersa® USDA loan calculator to assess and compare today's best USDA vs. FHA rates. Determine the required income, credit score, reserves, and documents to qualify. Our advanced mortgage calculator allows you to see side by side USDA, FHA, Conforming, and VA loans, aiding your decision on which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The goal at Lendersa® is to quickly and effortlessly obtain the best USDA or FHA loan for you. Choose one of the three suggested pathways that connect you with lenders offering pertinent USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government’s Department of Agriculture and is only available in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment, making them a favorable option for homebuyers in rural areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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