USDA Vs. FHA Pro and Con comparison in Franklin, Franklin County, VA

In 2025, USDA loan limit in Franklin, county of Franklin, VA is $336,500 while FHA limit is $507,150 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Franklin, county of Franklin, VA

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $507,150 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Franklin, VA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Virginia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Security America Mortgage, Inc.
  • 7514 Shadyvilla Ln, Suite A, Houston, TX, 77055
  • Security America Mortgage is not a government agency. This is a private website that is not affiliated with the U.S. government, U.S. Armed Forces, or Department of Veteran Affairs. U.S. government agencies have not reviewed this information. This site is not connected with any government agency.
  • Archer Credit Union
  • 510 G Street, Central City, NE, 68826
  • Archer Credit Union is a community credit union offering a full range of personal, agricultural, and commercial financial services. At ACCU, we value people first and trust is traditional. Stop by or give us a call to see how to become a member.Credit Union is a community credit union offering a full range of personal, agricultural,
  • United Savers Trust Credit Union
  • 14159 Northwest Freeway, Houston, TX, 77040
  • United Savers Trust Credit Union was organized in April 1952, to provide competitive savings and loan programs to employees of Crutcher Resources. Today membership is open to corporations, associations and organizations within a ten mile radius of the Credit Union. Family members of USTCU members may also join the Credit Union
  • Transtar Federal Credit Union
  • 12930 Northwest Freeway, Houston, TX, 77040
  • Since 1951, TFCU has offered its members a variety of low-cost, quality financial services. Originally chartered for the Transco Gas Pipeline employees (now owned by The Williams Companies, Inc.), TFCU now serves not only its original employee group but also a number of other entities in the city of Houston
  • PrimeWay Federal Credit Union
  • 12811 Northwest Freeway, Houston, TX, 77040
  • PrimeWay is a not-for-profit financial cooperative with multiple branches, local to the Houston area (including Harris County, Fort Bend County and Washington County). At PrimeWay we believe that the best way to build strong communities is to help the families in our community create their own financial strength.
  • Allegiance Bank
  • 8727 W Sam Houston Pkwy N, Houston, TX, 77040
  • Allegiance Bank is a full-service Houston community bank focused on providing banking services primarily for small to medium-sized businesses, owners and individuals in the greater Houston and surrounding area and to their employees, families and friends. We focus on establishing long-term relationships and recognize that each customer is unique.
  • Capital ABC Funding Mortgage Inc
  • 14655 Northwest Fwy, Suite 129, Houston, TX, 77040
  • Capital ABC Funding Mortgage Inc will guide you through the process & make it worry-free to improve your interest rate & monthly payment. We can even help you pay down your balance more quickly for a comparable monthly payment. Our motto "Customer for Life" are not just words, we have done Real Estate & Mortgage loans to third generation families.
  • Hillcrest Capital LLC
  • 7676 Hillmont Street, Suite 105, Houston, TX, 77040
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • NewCity Mortgage
  • 16597 Village Dr, Houston, TX, 77040
  • New City Mortgage and the loan team have the experience, expertise, and loan programs that you need. Fast closings and more loan products make the difference. Our mission is to provide financing to help you buy the home you want, fast and also New City Mortgage has the experience, expertise, and loan programs.
  • Global Capital Funding
  • 2800 Post Oak Blvd Floor 56, Houston, TX, 77056
  • Global Capital Funding – Strategic, Fast, and Reliable Commercial Lending We provide custom financing solutions for real estate investors, developers, and business owners. Specializing in bridge loans, cash-out refinancing, construction, investment property and foreclosure bail-out loans, we deliver fast approvals, flexible terms, fast closings.
  • Aligned Mortgage Processing
  • 2700 Post Oak Blvd, Floor 20, Houston, TX, 77056
  • "Aligned Mortgage Processing is a contract loan processing company that partners with Mortgage Brokers, Lenders and Bankers throughout the State of Texas. our loan Program: FHA $100 Down Payment Program: 203B • Property must be a HUD REO • Loans up to county loan limits • Credit scores down to 500. Ratios can’t exceed 43% when manual underw
  • Residential Capital Mortgage Inc
  • 1901 Post Oak Boulevard, Unit 1205, Houston, TX, 77056
  • The founders of Residential Capital Mortgage have been helping individuals and families obtain mortgage financing for over 20 years. We created our company with the goal of offering the best service and pricing the market has to offer. The mortgage process can be overwhelming without expert advice.