USDA Vs. FHA your options comparison in Lake-Wilderness, Spotsylvania County, VA
In 2025, the USDA loan limit in Lake-Wilderness, located in Spotsylvania, VA, is $657,900, while the FHA limit for a single-family home is $822,375.
Use the Lendersa® USDA loan calculator to explore and compare today’s best USDA versus FHA rates, determining the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in your decision on which program in is most suitable for your financial situation.
2025 Loan Limits and Downpayment Requirements in Lake-Wilderness, County of Spotsylvania, VA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Options in Lake-Wilderness, VA
The mission of Lendersa® is to swiftly secure the best USDA loan or FHA loan for you, free from hassle. Choose from three initial starting paths that connect you with suitable lenders and uncover USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.
151 Kalmus Drive, Suite D-102, Costa Mesa, CA, 92626
FlexPoint Mortgage Corporation We are a conglomerate of mortgage professionals that are knowledgeable and understand what it takes to fund loans as quickly and seamlessly as possible. Most importantly, we are known for our experience and service. We work to simplify the lending process while keeping you informed, up to date.
940 South Coast Drive, Suite 155, Costa Mesa, CA, 92626
The Lending Corner Team is composed of true mortgage professionals. All of our originators are principals in the company carrying over 10 years experience and work together to provide you a level of service and professionalism unsurpassed in the industry. Whether you are financing a new home purchase or refinancing an existing loan.
3001 Red Hill Avenue, Building 2, Suite 219, Costa Mesa, CA, 92626
"Bayfront Lending, we believe you deserve a team of experienced professionals who have your best interest in mind, not a sales commission.
And we understand that quality customer service and a streamlined process are just as important as the best rate and most favorable loan structure"
600 Anton Boulevard, Floor 11, Costa Mesa, CA, 92626
Prominent Lending Group, Inc., enjoys assisting current and prospective homeowners in obtaining residential 1st and 2nd home loans on 1 to 4 unit primary, secondary, and investment properties throughout the states of California and Montana. Our dedicated mortgage professional teams work hard to deliver the highest customer service.
Loan Direct LLC mission is to serve our clients with the upmost honesty, integrity and competency. Our goal is to provide home loans, personal loans, and business loans to our clients while providing them with the most lending options for their particular situation. Furthermore, we pledge to help borrowers overcome roadblocks.
1503 S Coast Drive, Suite 211, Costa Mesa, CA, 92626
Loan Frenzy Corporation 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.
Nation Home Loans, a mortgage company based in Costa Mesa, California, specializes in Conventional, VA, and FHA financing. We take pride in providing our clients with outstanding customer service. Our knowledgeable mortgage experts update you regularly throughout the loan process so you always know the status of your loan.
949 South Coast Drive, Suite 570, Costa Mesa, CA, 92626
Sterling Financial, Inc. is a residential mortgage lender located in Orange County, California. The foundation of the company is built upon the idea that every individual client’s mortgage transaction deserves our absolute attention and dedication. Our company’s mission is to help every client achieve their home loan goals
OC Mortgage Solutions is a 2013 company that has over 17 years of experience in the Mortgage industry. We are a wholesale broker located in Orange County California. We know what it takes to get your loan funded and on time.Our mission is to provide you with an honest evaluation of mortgage needs
We are a 100% referral based company with sole focus on our clients and their financing needs. We provide valuable financing solutions for not only our homeowner clients but for our business partner clients who include Real Estate Agents, CPA’s, Financial Advisors, Bankers, and Attorney’s.
