USDA VS FHA in Lake-of-the-Woods, Orange County, VA

In 2026, the USDA loan limit in Lake-of-the-Woods, within Orange county, VA, is $285,000. For single-family homes, the FHA limit is $356,362.

Use the Lendersa® USDA loan calculator to evaluate the best USDA versus FHA rates available today, as well as determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the optimal program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Lake-of-the-Woods, Orange County, VA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Lake-of-the-Woods, VA

The goal of Lendersa® is to secure the best USDA or FHA loans quickly and hassle-free. Choose one of three starting paths leading you to suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in VA

A USDA home loan, backed by the government Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, is only available in rural locations. Unlike FHA loans demanding a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



Lake-of-the-Woods Lenders

  • Griffin Capital
  • 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.

  • Bayfield Home Loans LLC
  • 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, LLC
  • 87 Wateredge Ln, Fredericksburg, VA, 22406
  • Lends in Virginia
  • 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.

  • Mid-Atlantic Commercial Capital LLC
  • 210 N Main St, Culpeper, VA, 22701
  • Lends in Virginia
  • Mid-Atlantic Commercial Capital, LLC is a nationally recognized financial company serving our clients financing needs. In these trying times, most banks have a policy to lend money only to those companies that don’t really need it. Additionally, most banks are one-dimensional and only do one type of financing.

  • Virginia Partners Bank
  • 410 William Street, Fredericksburg, VA, 22401
  • Lends in Virginia
  • 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.

  • Security Trust Mortgage LLC
  • 1407 Hearthstone Drive, Fredericksburg, VA, 22401
  • Lends in Virginia
  • 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

  • NEW DOMINION FINANCIAL
  • 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.

  • Churchill Mortgage Company
  • 1 Waterbury Court, Stafford, VA, 22554
  • Lends in Virginia
  • 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.

  • Priority Financial, LLC
  • 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