USDA Vs. FHA your options comparison in Falmouth, Stafford County, VA
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 best suits your financial situation.
2026 Loan Limits and Downpayment Requirements in Falmouth, Stafford, VA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Falmouth, VA
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.
Virginia Partners Bank® and Maryland Partners Bank® because we believe that our residents and businesses deserve a local bank. We enjoy living here and getting to know our neighbors, the people we do business with. We’re active in the community, love its history, and offer support by donating our time, talents, and resources.
At Security Trust Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you & your family from the many mortgage options
2093 Jefferson Davis Hwy, Fredericksburg, VA, 22401
Lends in Virginia
NEW DOMINION FINANCIAL, 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 & your company from the many loan options that are available today.
Churchill Mortgage offers incomparable service for residential or commercial lenders, whether you are a first-time homebuyer or a seasoned investor. We can guide you to the right loan amount and best program for you. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
1267 Courthouse Rd, Suite 201, Stafford, VA, 22554
Lends in Virginia
Priority Financial, LLC 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
385 Garrisonville Road, Suite 97, Stafford, VA, 22554
Lends in Virginia
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.
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.
1127 International Parkway, Fredericksburg, VA, 22406
Lends in Virginia
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
MAC Professional Services, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
