USDA Vs. FHA your options comparison in Fredericksburg, Fredericksburg County, VA
In 2026, the USDA loan limit within Fredericksburg, Fredericksburg County, VA is $336,500, while the FHA limit reaches $1,089,300 for a single-family home.
Utilize the Lendersa® USDA loan calculator to contrast today’s best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our enhanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to help you select the optimal program for your financial status in .
2026 Loan Limits and Downpayment Needs in Fredericksburg, Fredericksburg County, VA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$726,200
3%
Choosing USDA and FHA Loan Options in Fredericksburg, VA
Lendersa® aims to seamlessly connect you with the finest USDA or FHA loan options swiftly. Choose a starting point among three to find suitable lenders and explore USDA loan programs.
USDA home loans, backed by the Department of Agriculture, are commonly referred to as USDA rural development loans or USDA mortgages, and are only accessible in rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans require none at all.
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.
1135 Heatherstone Dr, Suite 102, Fredericksburg, VA, 22407
Lends in Virginia
Griffin Capital Funding has grown to become one of the largest and most creative church financing companies in the country. With over $1.5 Billion in closed church loans, we have helped churches with loans as small as $50, 000 up to our largest loan for one church of $35, 000, 000.
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.
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.
