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

In the year 2025, the USDA loan limit for Harrisonburg in Harrisonburg County, VA is listed at $285,000, whereas the FHA limit for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine what income, credit level, reserves, and documents are needed to qualify. Through our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, aiding in selecting the most suitable program for your financial scenario in .

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2025 Loan Limits and Downpayment Requirements in Harrisonburg, Harrisonburg County, VA

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Harrisonburg, VA

The mission of Lendersa® is to efficiently provide access to the best USDA or FHA loan quickly and hassle-free. Select from three potential starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching findings

Understanding USDA Loans in VA

A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans necessitate no down payment.

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



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  • Top Notch Realty Inc
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  • TOP NOTCH REALTY, INC are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why our goal is to keep you informed on trends in the marketplace using the latest statistics in your local area. With property values continuing to rise, real estate is a sound investment.
  • Clear Pacific Capital, Inc.
  • 7840 Stalmer Street, Suite B15, San Diego, CA, 92111
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  • RealEstate Loans Limited Liability Company
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  • Pacific Sun Mortgage Company, Inc.
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  • Coastal Pacific Mortgage Corporation
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  • Premium Funding Group
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