USDA Vs. FHA Pro and Con comparison in Gainesville, Prince William County, VA

For 2026, the USDA loan limit in Gainesville, county of Prince William, VA, is $336,500, whereas the FHA limit for a single-family home stands at $546,250.

Leverage Lendersa®'s USDA loan calculator to compare today's prime rates between USDA and FHA loans. Understand the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator enables you to assess USDA, FHA, Conforming, and VA options side by side, assisting you in determining which program in is optimal for your financial requirements.

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2026 Loan Limits and Downpayment Requirements in Gainesville, Prince William county, VA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $546,250 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Opportunities in Gainesville, VA

Lendersa® is dedicated to rapidly securing you the best USDA or FHA loan, free of hassle. Choose from three starting options that connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in VA

The USDA home loan, guaranteed by the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is strictly available for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • NuView Mortgage LLC
  • 14603 Beach Blvd, Suite 600, Jacksonville Beach, FL, 32250
  • At NuView 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

  • Future Financial LLC
  • 315 11th Ave. North, Jacksonville Beach, FL, 32250
  • Future Financial LLC, you can guarantee that our team of mortgage professionals puts your future first. Combined, we have over 20 years of financial experience, and have facilitated over $1,000,000,000 in mortgage loans. As a team, we have over 1,000 5-star reviews illustrating our founding principles of stellar customer service.

  • Cleveland State Bank WI
  • 1250 West Washington Avenue, Cleveland, WI, 53015
  • We pride ourselves on being a community bank that offers the capabilities of a big bank while staying dedicated to the well-being of our clients. We value giving back to our community by focusing on the needs of local organizations, businesses and families. Our Vision is Building financial foundations for successful client relationships.

  • Hiott Financial Corporation
  • 12 Rouse Road, Sumiton, AL, 35148
  • "Hiott Financial Corporation was incorporated in 2003. We are dedicated to building relationships with our clients in a dynamic lending environment.

    HFC offers many mortgage products to meet the needs of our clients including USDA, FHA, Conventional, and VA. We enjoy alot of tradition and beauty here in the State of Alabama."

  • Midland Community Bank
  • 112 Market Street, Kincaid, IL, 62540
  • Midland Community Bank is a full-service community bank serving the residents of Christian and Sangamon Counties. Some of the communities served are Kincaid, Tovey, Bulpitt, Taylorville, Edinburg, Pawnee and Springfield.

    In 1966, a group of local businessmen and residents began the process to organize a community bank to serve the Midland area

  • The Bank of Carbondale
  • 216 East Main Street, Carbondale, IL, 62901
  • The Bank of Carbondale was originally chartered as the Vergennes State Bank in 1919, located on the corner of Hack Avenue and Main Street in Vergennes, Illinois.

    In 1970, the charter was transferred and established as The Bank of Carbondale, with a Main Street location in downtown Carbondale. In January 1981,

  • First South Mortgage LLC
  • 4432 Crooked Creek Drive, Jacksonville, FL, 32224
  • First South Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Triad Financial Services, Inc.
  • 13901 Sutton Park Drive South, Suite 300, Jacksonville, FL, 32224
  • Triad Financial Services, Inc. is one of the oldest and most trusted lenders in the manufactured home industry with over 60 years of lending experience. Triad is trusted by customers, dealers, lending institutions and realtors alike and has helped tens of thousands of families realize their American Dream of homeownership.

  • First Florida Financial, Inc
  • 13400 Sutton Park Dr South, Suite 1502, Jacksonville, FL, 32224
  • First Florida Financial, Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • The Hardin County Bank
  • 235 Wayne Road, Savannah, TN, 38372
  • The Hardin County Bank is a locally owned and operated, growing Financial Services Center dedicated to serving our community since 1973. With offices in Savannah, Adamsville, and Pickwick/Counce, we can provide fast, courteous service, and furnish the most up to date financial products available in the banking industry.

  • First Florida Credit Union
  • PO Box 43310, Jacksonville, FL, 32203
  • First Florida Credit Union is headquartered in Jacksonville and operates 17 branches throughout the state, serving more than 55, 000 members.

    The organization's guiding mission is to support its members' financial aspirations by providing affordable financial products and services with outstanding member service.