USDA Vs. FHA Pro and Con comparison in Forest, Bedford County, VA
In 2026, the USDA loan limit for Forest in Bedford county, VA, is set at $349,600, whereas the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's preferred USDA and FHA rates, and determine the required income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, guiding you to the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Forest, Bedford County, VA
Loan Type
Loan Limit
Down Payment
USDA
$349,600
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Forest, VA
Lendersa® aims to swiftly provide you with an ideal USDA or FHA loan with ease. Choose one of three starting points to connect with matching lenders along with USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and available only in rural communities. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages do not need any down payment.
At Select Bank, we can help you manage your time and your money. We’ve brought together old-fashioned service and the latest tools and technology in order to provide you with the products and services you need, when you need them – and on your terms. We’re focused on treating every customer like they’re our only customer.
"TY Mortgage, LLC, has a team of experienced and highly skilled loan consultants that will help you determine which loan option is best suited for your situation. At TY Mortgage, we help you get the loan that you want in the time frame you want it in. Purchase or Refinance Mortgage Residential or Commercial.
We are committed to quality customer service - putting the people we serve first. we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! Specializing in residential mortgage loans for purchases, refinances and equity lines/loans
Melanie Thompson is a mortgage broker with access to more than 40 lenders and dozens of loan programs to help you with your home purchase or refinance. Her expertise in understanding credit is second to none and she will work with you to legitimately obtain a higher credit score so your loan terms are the very best available.
Beacon Credit Union is a full-service financial institution, offering a wide range of products and services. Having served Lynchburg and the surrounding area for over 75 years, our "vision" is to be the premier provider of quality financial services, a leader in our community and the most progressive financial institution in our field
Lynchburg Municipal Employees Federal Credit Union
3176 Fort Avenue, Lynchburg, VA, 24501
Lends in Virginia
The approval of Federal Credit Union Charter Number 14623 on August 8th, 1961 allowed for Lynchburg Municipal Employees Federal Credit Union (LMEFCU) to help promote financial services and security for its membership. We were originally chartered to serve employees of the City of Lynchburg and their immediate families.
Central Virginia Federal Credit Union offers a fresh, unique alternative to banks. Like other financial institutions, we offer a full range of financial products and services. Unlike the others, we are not-for-profit. putting those savings in your pocket! Here you are more than a customer, you're a member.
Blue Ridge Mortgage you have a lender that you can count on for your family’s needs for generations to come! Community-Oriented Blue Ridge Mortgage is a locally owned and operated residential mortgage company. We specialize in purchase loans, rate and term refinance, and debt consolidation.
First National Bank is a full service commercial and consumer bank headquartered in Altavista, Virginia and serving Central and Southern Virginia. Member FDIC | Equal Housing Lender commercial and consumer bank headquartered in Altavista, Virginia and serving Central and Southern Virginia.
