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

In 2026, the USDA loan limit for Laurel within Henrico county, VA, is $428,700, whereas the FHA limit for a single-family home is set at $546,250.

Utilize Lendersa®'s USDA loan calculator to evaluate and contrast today's leading USDA and FHA rates. Discover what income, credit, reserves, and documents are necessary to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, aiding in the decision of which program best fits your financial requirements in .

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Loan Limits and Down Payment Requirements in Laurel, Henrico county, VA for 2026

Loan Type Loan Limit Down Payment
USDA $428,700 0%
FHA $546,250 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Laurel, VA

The goal of Lendersa® is to promptly interface you with the ideal USDA or FHA loan, minimizing any hassle. Choose one of three starting points to connect with matching lenders and explore USDA loan programs.

  1. Optimize your request with USDA/FHA options
  2. Check USDA and FHA rates & terms upfront
  3. Access the largest database of USDA lenders
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What is a USDA Loan in VA?

The USDA home loan, guaranteed by the Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is specifically available in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans have no down payment requirement.

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