USDA Vs. FHA Pro and Con comparison in Lake-Land'Or, Caroline County, VA
For 2025, the USDA loan cap in Lake-Land'Or, county of Caroline, VA is $428,720. The FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. This allows you to determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, helping you select the program in that best fits your financial needs.
2025 Loan Limits and Downpayment Requirements in Lake-Land'Or, County of Caroline, VA
Loan Type
Loan Limit
Down Payment
USDA
$428,720
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Lake-Land'Or, VA
The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you, hassle-free. Choose your starting point from three options that connect you with matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture. It is available exclusively in rural areas, and unlike FHA loans which require a minimum of 3.5% down payment, USDA loans require none.
The Farmers Savings Bank is a branch office of The Farmers Savings Bank. They provide the following services: Full Service Office Location and are located at 111 West Main Street in Spencer Ohio.
Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website
HMS is a full service mortgage company operating in Ohio and Florida. At HMS, our approach with every customer is to provide white glove service. Our customers are given the highest level of care, consideration, and attention to detail; while receiving the best interest rate and best loan approval for each particular situation.
We provide personal, hands-on service from start to finish. With a variety of mortgage products, our experienced and knowledgeable team is able to offer the perfect solution for you. We are dedicated to making the lives of our customers better by providing a hands-on, personalized mortgage lending process.
Omniscient Real Estate Finance Corporation is a true mortgage broker devoted to serving the needs of the community. Omniscient works with a variety of lenders to ensure we find the best loan options for your situation. Our program strives to strengthen communities by empowering individuals to become effective homeowners
Cardinal is proud to announce their 5-star rating, recently awarded by Bauer Financial. Bauer Financial is a financial rating agency who provides depositor-focused ratings of banks and credit unions in the United States. The Company’s rating scale runs from zero to five, the strongest institutions being granted 5-star ratings.
At Union Capital, home loans are all we do. Since 1995, we have worked to become a trusted lending partner to countless realtors and customers. Realtors depend on us to help their buyers get into the ideal home. Customers we serve return to us again and again – we have gotten to know thousands of them personally over the past 20 years.
Telco Community Credit Union has been providing financial services to communities in the Western North Carolina Area for over 80 years. We were organized in 1935 to serve the employees of the Southern Bell Telephone System. Today, we are a community chartered credit union serving in 21 counties.
Bridge was founded on the values of people helping people. We understand our members, their needs, goals and dreams – not only for themselves, but for their families as well. How do we understand them? We listen to them and we interact with them one on one, as people – not numbers. We are owned by our members and operate for our members.
The Steel Valley Federal Credit Union, a not for profit financial cooperative, is organized and managed to provide a safe, economical, and convenient financial institution for our membership. To promote thrift and through competitive dividends for savings, and provide economical loans with competitive interest rates.
Secure Lending Incorporated’s mission is to serve our clients with honesty, integrity and competence. Our goal is to provide home loans to our clients while also providing them with some of the lowest interest rates and closing costs available. Furthermore, we pledge to help our clients overcome roadblocks that can arise while securing a loan.
Telhio Credit Union has been a strong and stable financial institution in central Ohio since 1934. We are a not-for-profit, full-service financial institution cooperative, meaning our members are owners and can expect to receive high-quality financial services to meet all of their needs. Telhio is strong and safe, and has been serving central Ohio.
Education First Credit Union was established in 1936 by five Columbus City School teachers as a credit union for teachers and their families. From these humble beginnings, the original five employees have grown to nearly 50 with three locations but we have never strayed from our goal of serving Ohio’s educational community.
